¿Ahorraré dinero por medio de la consolidación de deudas?

¿Puede verse afecto mi crédito por la consolidación de deudas?

Para la mayoría de las personas, la consolidación de deudas puede causar un golpe inicial en su puntaje de crédito. Sin embargo, siempre y cuando uno sea consistente y de manera responsable en los pagos mensuales, se verá reflejado de manera positiva en el puntaje de crédito.

¿Qué tipos de deuda puedo consolidar?

Cualquier tipo de deuda no asegurada puede ser consolidada, incluyendo facturas médicas, créditos estudiantiles y tarjetas de crédito.

Will debt consolidation save me money?

Maybe. It depends on your financial situation and the debt you’re consolidating. For instance, if you don’t owe very much on your bills, debt consolidation may just end up costing you more in the long run. Before getting a personal loan to consolidate your debt, add up your existing debt (don’t forget to include interest!) and divide by the number of payments it would take to pay it off. If it’s less than the cost of the loan (again, including interest), you may be better off using your personal loan to take yourself on vacation to Tahiti.

Will debt consolidation hurt my credit?

For most people, debt consolidation may cause an initial hit to your credit score. However, as long as you make consistent, on-time payment, it generally has a positive impact on your credit.

What types of debt can I consolidate?

Any unsecured debt can be consolidated, including medical bills, payday loans, student loans, and credit cards.