Consolidate and Save a Credit Rating
When I was very young I didn’t know what a credit rating was and wouldn’t have cared if I did. What I knew was that my credit cards were magic and would buy me the things I wanted, when I wanted them. Within a few years, though, I couldn’t make my monthly payments. A kind friend steered me toward a debt management company which provided credit counseling, including a lesson on the importance of my credit score, and a debt consolidation loan. I was able to afford the new monthly payment and, when I’d eventually paid it off, was a much wiser consumer, with an excellent credit score.
