Just In Time Lending

I have several credit cards, many from the same institution. I’d like to combine all the ones from the same institution into one. All the cards are paid off monthly – I am not carrying any debt. Will this hurt my score? Will this hurt me in any other way?

I’m considering going to one of those credit counseling/consolidation things so they can help me figure out how to lower my debts and pay them off. I’m $26,000 in the hole. I’m not behind on my bills but if I lost my job I’d be screwed. Does doing this hurt your credit score? My score [...]

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Can paying off credit cards hurt score? Dear Credit Card Adviser, I paid off all of my credit cards and some other debt I had with inheritance money I received. Then I heard it will hurt my credit score by paying them off. Is this true? I hope not. I thought I was doing the [...]

I am looking for a debt consolidation program that would not hurt my credit too much. I have a 24000. 00 credit card bill that is killing me month to month.

I am thinking about getting credit counseling and enrolling in a debt management plan. But I want to know if it hurts your credit score. There seems to be so many scams out there right now.

With business so slow due to the economy I am seriously considering using a debt consolidation company if my creditors can not reduce my monthly payments. Will this hurt my credit and how badly? Also, could anyone recommend the best consolidation company out there and any tips you might have? Thanks. . .

I have severe credit card debt, and would like to either consolidate or use a service to help me free up some money in the monthly budget. I am doing very well with paying them, never been late, always pay more than minimum, but I can not get a debt consolidation loan because my debt [...]