not enough in debt. Looking for consolidation

Taking a debt consolidation program will not hurt you in anyway. Only the accounts that you include in the program will be closed so that you don't build new credit.

Debt consolidation program will make your repayment easier because you will be offered lower monthly payments at lower rate of interest. Additionally, all the financial charges, late fees that have accrued in the total amount of your debt will be eliminated and so you will be able to pay the actual amount in your debt through this program.

All the accounts that are scattered among your creditors will be consolidated into one loan amount and thus, you will not skip any payment in the current billing cycle.

You can opt for debt consolidation program if you find the services beneficial to you and if you are having financial problems in making your monthly payments. It will appear in your credit report as long as you are in the program. After you have completed payments with your creditors, your accounts will be reported as 'paid in full' to the credit bureaus. This will erase all the negative markings in your credit report and you will be able to see enhanced credit scores. Thus, you will be able to acquire new credit quite comfortably in the future.