Help!! I have 12, 000 in unsecured debt, credit score 655....what are my options??

I would like to somehow combine all of my credit cards into one or get a loan so that my payments would be less. I am currently paying a little over minimum payments because I cannot afford to pay anymore. What options do I have that won%26#039;t affect my credit negatively. I don%26#039;t have any late paymets, just two paid collections from 2004. My credit score is low because I am using so much of my available credit. Help please!!

Help!! I have 12, 000 in unsecured debt, credit score 655....what are my options??

A small loan consolidation with low interest is the best for your score. I found interesting information about your answer %26amp; options here. Goodhttp://all-debt-consolidation-loan.blogs... luck!

Help!! I have 12, 000 in unsecured debt, credit score 655....what are my options??

Trust me, I%26#039;ve been in your situation before. The best scenario is to call a credit counseling group. The one I called and helped me the most was InCharge Debt Solutions. They call and work with all of your creditors to get your interest rates dropped. You will keep about your same payment, but you will pay off all your debt in like 3 years.

www.incharge.org

It%26#039;s really awesome how it helped me. My credit score was like 645 and now it%26#039;s 700+. Try it out.

Help!! I have 12, 000 in unsecured debt, credit score 655....what are my options??

I am not sure of the other options given, consolidation loans prove to other creditors you had trouble meeting your requirements which is not good for credit if you get help to settle debt from an agency this also lowers your score for 7 years in canada i think just keep making your minimums or more when you can to keep your credit at 655 i think you will find those other options lower it more, you can check with a credit counsellor but I know in canada it would be worse for you to use the above options!!!