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But of course, before you can decide if it’s the right choice you have to answer some important questions.One of the most important is, “does debt consolidation hurt your credit score?Additionally, our star ratings are a mix of user feedback and Nerd Wallet’s independent evaluation which are independent of compensation.For a list of all of our advertising partners, click here' With so many websites offering free financial tools, it can be hard to know whom to trust.The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.The following five tips can help you figure out which credit card consolidation strategy suits you best.While we try to feature as many credit cards offers on our site as we can maintain (1,200 and counting!

However, the fact is, debt consolidation can improve or hurt your credit score.Also included in your report is a history of the payments you’ve made on time, and those you have paid late (or not paid).The 3 major credit bureaus (Equifax, Experian, and Trans Union) compile this information and make it available, along with your credit score, to lenders who want to find out how creditworthy you are.If you need help getting out of debt, you are not alone.Although signs show an upturn in the economy, many Americans are deep in debt, and not everyone can work overtime or a second job to pay down that debt.




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In many cases, we lie to protect a person's feelings, such as "You look so much thinner since you cut down to only five hamburgers a week." We also lie periodically to avoid doing something we don't want to do, such as: "I can't go shopping with you because I have to wait for a phone call." We also lie to increase our importance, such as "I could have won the award, but I didn't try so the little girl could win." One researcher, Joseph Tecce at Boston College, has identified six types of lies: Women often lie to make others feel good.


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