hello all-
i have been managing my debt for years and have worked hard on my credit. due to unforseen circumstances i am now in danger of the credit cards spiralling out of control and my credit being damaged.
is debt consolidation the way? will it reflect negatively on my hard fought for "fair" fico?
any help will be appreciate.
currently my credit cards account for over half of my monthly nut.
kindest regards,
frances


