I have good credit but owe money to 3 credit cards. What is the best loan I can get to consolidate what I owe?
99738
Your best bet is NOT to use a consolidation company for a loan.  This will reflect more negatively on your credit.  The best bet, I think, would be to pay off your credit cards, highest interest rated card first.  Hope that helps!
437314
Get a debt consolidation loan from Countrywide. As long as you have home ownership, you're approved.
891036
You need a good consolidation company.\nConsolidating means creating a whole new loan for a longer period of time. This would hopefully lower your payments enough so you can get back on track, in this case it might SAVE your credit score.\nA credit counselor will give you some tools and suggestions for reducing your payments, just keep an eye on what the % are, you want it to be lower than what you pay now.\nHowever, debt consolidation can be nothing more than a way of putting off the evitable. It really does little to correct the problem. That's why many people come back to debt negotiation as a way of getting out of their financial problems and starting fresh start.\nMore here: http://finance.ebookorama.com \nalso plenty more to read here\nhttp://credit.ebookorama.com\nhttp://credit-cards.ebookorama.com\nhttp://credit-repair.ebookorama.com\ngood luck!
597066
Honestly?  No established loan agency will give you a loan.  I used to work in a bank, and you are missing all of the basic criteria for a loan.  You need to clean up your credit, get a bank account, and be accountable.  What is the loan for?  There are debt consolidation organizations if you have a lot of credit card debt.  They will negotiate reduced APR so that you don't have to pay that much monthly and get you on the road to solid credit within a few years.  \nhttp://search.yahoo.com/search?ei=utf-8&fr=slv1-mdp&p=debt%20consolidation\n\nIf you have a retirement account, you can take a loan out against it for 50% of its value.  It has a one time fee, and their is interest but the interest is being paid back into your retirement account.\n\nThere are also organizations that offer free financial advice.  I once was in your shoes.  It is a horrible place to be, and I feel for you.  But I got myself out of there.  I created a budget, that I lived by sacrificing entertainment and convenience for about a year and suddenly I was debt free after 10 years of living under the burden.  The constant stress takes a toll on you.  It is worth getting out from under it.
4622
Consolidation loans cost way to much. What I have done sucessfully when I was in the position you are, was to create a letter to each creditor, in which I stated 1.that I admit I owe them the full amount, 2.that I plan to pay them in full and as soon as possible, 3.that I can afford monthly payments of $ and am enclosing the first payment, 4.that I am requesting a reduction or elimination of interest, fees, and late charges. Then for each creditor, you get a copy made, print "COPY" in large red letters across the letter, and send it, by certified mail, signature required, to each creditor. Now here is the law, if they sign the letter and accept that payment, they have, in effect, made a binding contract with you, on the terms you offered. In most cases, they will reduce or suspend all interest. Once you have an agreement with each and all of your creditors, then you can move out! Be faithful in your payments, and you will be amazed at how quickly your debts melt away. Hope this helps!
672549
It sounds fishy.  If you are consolidating and paying for 3 years, it sounds like the deal he offered is that you pay for those 3 years and you are back owing what you owe today, the amount of what you owe.  Why would anyone in their right mind do that?  Maybe because it makes for lower payments today and for the next 3 years, but you'd be much better off taking out a personal loan from a bank and paying off your cards and then paying back the bank and not running up your cards again.
521811
You each have your own distinct credit ratings.  They will not combine unless you get joint loans.\n\nYou can actually use this to your advantage.  If you husband has good income, use your good credit to help him build his score back up.  Co-sign for a card or loan under his name, and keep up the payments. \n\nWhen I got married, my wife came with "baggage" from her previous marriage and had terrible credit.  I had a good job and excellent credit, so I co-signed on a couple cards, and co-signed for a car in her name.  Now her credit is super!  Took a couple years but it worked, and was totally painless.\n\nJust keep up your payments.
276485
find a reputable credit counseling agency...get an additional job if possible.\n\ncredit counselor company will act as a middle man to your creditors and will negotiate a lower rate for you and also get some of the balance wiped out....you will pay the credit counseling comany the payment for all your creditors along with a small fee...\n\ncheck out the wikipedia entry below regarding credit counseling!
559736
M.K\n\nActually you can consolidate your loan with the government now http://www.loanconsolidation.ed.gov (Borrowers Services) and it's actually not as bad as you think. \n\nBefore you consolidate your loan check out the Borrowers Services and see if you can get a better rate. You can consolidate any amount even your $50,000 debt and its free to consolidate your loan!\n\nI know Salliemae is one of the best student loan consolidators but sometimes their rates can be a little high depending on your situation.\n\nDoesn't hurt to check them both out. Hope you get it worked out soon!
1173074
call them all and set up payment plans\n\nor talk with a credit counseling/debt consolidation company\n\nbest of luck
970486
been there done that. I don't know how legal this is but what the hay.   Anyway, get a credit card from anywhere. Then get another one from anywhere. then get another one from anywhere. The ones advertised in magazines are the easiest. When you have these credit cards, you run them up to a $100 each and make the payments. You do this for three months. Then you look for one of these consolidation offers [usually in your junk mail from any bank] then you consolidate your three cards into one and that will bring down interest dramatically. One word of advice. If you are climbing out of a bad credit situation you have to make the low interest card payments on time and at least two times the minimum payment. You have to do this for one year. been there done that  I now have a 10,000 dollar credit limit. go slow.
465727
First, you need to obtain all three of your credit reports from Equifax, Ecperian, and Trans Union. There is a fourth, somewhat smaller bureau called Innovis (Minneapolis, Minnesota). It would do good to ask for a report from them as well. Set a goal as to the time frame you want to "clear" your credit. Judging from your credit reports, assess which negative reports will be "falling off"(7-10 years, depending on the case), and which ones you need to pay. Before you pay anything, try to do what is called a "debt validation", . This is when you can write letters to creditors requesting proof of what you owe. If they can prove you owe it, then write certified letters to the company(s), and negotiate how much you will actually pay. If not, then request via certified mail that they remove negative listings from your credit report. DO NOT CALL THEM, and if they call you, simply say "no comment", and hang up the phone. MAKE SURE you get any promises in writing, including the promise that they will promptly report to all 3 credit bureaus that you have satisfied your debts. Budget yourself. Save whatever you can, and pay off debt in lump sums. This is a long process, so be patient. It is well worth your time. I have said this time and time again, but this is a great website. It helped me greatly when I was getting my credit together: www.creditinfocenter.com    This site also has some templates for the letter I was just talking about. This stuff works, and you will be using the same steps all these debt consolidation companies use, and get results. The only difference is is that you will be saving yourself some money.
581471
capital one\n\nIf you're paying higher interest on your other debt, then definitly consolidate into a lower rate card.
376699
I would suggest that you consolidate your credit card balance to the card with the lowest interest rate.  At least pay the minimum (but pay more if you can), if you stay current on your payment, you won't ruin your credit score.  If you file bankruptcy, that will stay on your credit report for 7 years.
355513
Get a credit card, make small purchases, pay them off...keep doing this. Sometimes you may have to secure a credit card with a small deposit but they work the same way..of course, make sure they report to all credit bureaus. Surprisingly not all credit card companies report to all three and a few don't report to any. Also, stay away from "fee-based" credit cards, those companies that give you a card with a 300.00 limit but when you get the card you already owe them 299.99 because of all the fees. Good luck.
135788
Depends how much you owe and what your credit looks like, probably not good right? Talk to a lawyer or someone who knows about bill consolidation.
986954
If you pay only the minimum payments your balance will hardly ever go down.  You can either pay extra a month on them, get a loan to pay them off, or go through one of those debt consolidated places.  I used Consolidated Credit Counseling Services at 800-Save-Me-2  They worked great (I paid off $14,000 of credit card debt in 3 years with them -but I also used my tax returns to pay down my balances quicker too) but their costumer service was lacking and most of them had heavy accents that made communicating over the phone very difficult.  You can find some in the yellow pages, or even searching online using a search engine.  Shop around if you go that route.  Some of these require you to pay your cards up to 2 months in advanced -find one that doesn't (mine didn't).