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2. What is an excellent-credit personal loan? - AOL

   www.aol.com/finance/excellent-credit-personal...

   Key takeaways. Lenders usually consider a credit score of 800 or higher or higher “excellent credit.” FICO defines excellent credit as 800 or above, while VantageScore defines it as 781 or above.

3. How to qualify for competitive rates on low-interest personal ...

   www.aol.com/finance/qualify-competitive-rates...

   An excellent credit score gives you the best chance of receiving a low interest rate on a personal loan. Before applying, check your credit report to ensure your score is in the best shape and ...

4. Choosing a debt consolidation lender: How to find the best

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

   A debt consolidation loan can provide a lower interest rate than most credit cards. According to Bankrate data, the average personal loan currently has an interest rate of around 12 percent. That ...

5. The best ways to borrow money - AOL

   www.aol.com/finance/best-ways-borrow-money...

   Personal loans, credit cards and lines of credit are typically easier for anyone to qualify for. Other ways to borrow money, like a 401(k) loan or through a public agency, may require you to meet ...

6. How to improve your credit score with a personal loan - AOL

   www.aol.com/finance/improve-credit-score...

   If used to consolidate revolving debt, such as credit cards and lines of credit, personal loans can reduce your credit utilization ratio. This factor accounts for 30 percent of your FICO score and ...

7. How to negotiate debt with credit card companies - AOL

   www.aol.com/finance/negotiate-debt-credit-card...

   One possibility is that you can negotiate your debt with credit card companies. This can help you get back on track and avoid more damage to your credit score. Why credit card companies negotiate debt

8. Personal loans vs. credit cards: Which is better for you? - AOL

   www.aol.com/finance/personal-loans-vs-credit...

   Personal loans. Credit cards. Average interest rates. 11.91%. 20.75%. Repayment terms. Make fixed monthly payments during a set period, typically between 12 and 84 months

9. It took me five years to achieve excellent credit. Now what?

   www.aol.com/finance/took-five-years-achieve...

   Achieving excellent credit is also a good reason to explore options that increase your credit limit and reduce your interest rates — like refinancing a loan or opening a new credit card, for ...