Question by Whats right is right: How does debt consolidation work what effect does it have on your credit?
Best answer:
Answer by Rick BCombining them will do nothing to get them paid off quicker. It will open them all up so you can charge them up again.
Follow Dave Ramsey's debt snowball. Pay the minimums on all of them. On the one with the lowest balance, put ALL your extra money toward it. When it is paid off, take that minimum payment, plus the extra you were paying and apply
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