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    Does consolidating your credit cards ruin your credit

    The cliche about rearranging the deck chairs on the Titanic came to mind when I read your question.

    Debt consolidation won't address the real problems that may sink your credit rating!

    You borrow enough money to pay off all your current debts and owe money to just one lender.helps you rein in out-of-control debt payments when things like credit card debt start to take up too much income and throw your budget out of balance.You get lower payments with less added interest, so you can get out of debt as quickly and affordably as possible. The information below can help you understand what kind of impact debt consolidation can have on your credit profile and credit score.For example, what if interest rates go up, or you fall ill or lose your job?If you can’t stop spending on credit cards, for example because you’re using them to pay household bills, this is a sign of problem debt.

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