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Too low a score and the lender just won't approve the loan.Peer-to-peer lenders will let you check on rates without it impacting your credit score.That will keep your credit history from getting worse.

Your note reads like you need a loan to make ends meet, not that you're trying to take out a personal loan for debt consolidation.

With a debt consolidation loan, you borrow enough money to pay off your other unsecured debts and wind up with 1 monthly payment for the personal loan.

In fact, as an experiment, try doing what I did and simply enter the phrase “debt consolidation companies” into a search engine.

Good luck finding search results that don’t include debt settlement or management companies! Because debt settlement and debt management can be extremely risky and could have debilitating effects on your finances.

From reverse mortgages for seniors to counseling for first-time homebuyers, our HUD-certified team helps you find solutions.

Find your way home » Whether you need help with budgeting and saving, you want to maximize your credit, or you’re planning ahead for a major life event, we have the personal finance advice you need to get ahead.

So let’s say you see an ad for a company that promises to help you pay off your debt more quickly. If you are seriously thinking about going to a debt consolidation company then you’ll need to do your research and find that is honest, or else you could end up in a far worse situation than you ever imagined before!

Companies that want to help you pay off your debt come in many forms.

It took me some time – a few contracts fell through – and then my bank told me about the first time homebuyer class.

When it comes to bad credit student loan consolidation, federal loan programs are, in most cases, the best way to go.

But if debt consolidation is what you want, then make sure you know what it is before you go!