Is it wise to seek debt consolidation even if payments are not late?
I pay all of my credit cards on time and although my debt is high, my credit score is decent. It just seems that no matter how hard I try, I cannot get out from under my debt. I know I need to be more disciplined in my spending, but I just have trouble doing that. Should I seek help through a debt consoliator (I do not own a home, so an equity loan is not possible), or should I just try to be disciplined and do it on my own? I am mainly concerned about my credit score. Thanks in advance.