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2. How to consolidate debt without hurting your credit

   www.aol.com/finance/consolidate-debt-without...

   Debt consolidation can lower your credit score temporarily, but your score will improve if you make payments on time. Other tools like debt management plans and bankruptcy can help you manage debt.

3. Does Debt Consolidation Hurt Your Credit?

   www.aol.com/finance/does-debt-consolidation-hurt...

   Learn how debt consolidation can impact your credit. See the long-term effects on your credit score and how debt management can improve your credit.

4. Debt consolidation vs. Bankruptcy: Which is right for you?

   www.aol.com/finance/debt-consolidation-vs...

   It may damage your credit: Bankruptcy can ruin your credit, making it harder to qualify for future financing — like a mortgage loan. The higher your credit score, the greater the damage.

5. Pros and cons of debt consolidation: Is it a good idea?

   www.aol.com/finance/pros-cons-debt-consolidation...

   Credit boost. Consolidating debt can improve your credit score. This is particularly true if you make your loan payments on time. Payment history is the most important factor in calculating your ...

6. Why did my credit score drop after paying off debt? - AOL

   www.aol.com/finance/why-did-credit-score-drop...

   Key takeaways. If you take out a loan to consolidate debt, you could see a temporary drop because of the hard inquiry for the new loan. Your credit score can take 30 to 60 days to improve after ...

7. 8 Ways to Use a Debt Consolidation Loan for Your Credit Card Debt

   www.aol.com/8-ways-debt-consolidation-loan...

   By consolidating your credit card debt to a single loan, you only have 1 monthly payment to keep up with. If that loan offers a fixed interest rate, then your new monthly payment should remain ...

8. What is a debt consolidation loan — and can it help you lower ...

   www.aol.com/finance/what-is-a-debt-consolidation...

   Drawbacks of consolidating debt with a loan. It requires a hard credit check. Most lenders require a hard pull on your credit, which can lower your credit score temporarily by about five points.

9. 3 Signs Debt Consolidation Isn’t the Right Option for You

   www.aol.com/finance/3-signs-debt-consolidation...

   Debt consolidation can give your finances a fresh start. If you're sitting atop a mountain of considerable debt, combining it into one payment can help you get back on track -- but it isn't for ...