My husband consolidated to make one payment a month vs 4...he could have made the payments, just thought would be easier to just make one. He did not know till two years later when we purchased a new car that consalidated will hurt his…
CCD was a good way for me to get back on my feet after missing lots of credit card payments and having two collection agencies after me. The only thing is that once I was able to manage my payments on my own, I still had to follow through…
Pros: Helps get payments back on track and lower interest Cons: Doesn't educate you on everything like closing your accounts
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