Consolidating debt without hurting credit

One of the first things you’ll want to do is check your credit reports for accuracy.

An error on any of your credit reports could prevent you from qualifying for the debt consolidation help you need, so .

Many common ways to pay off debt involve higher interest rates, larger fees, additional debt, or a negative impact on your credit score.

To find better ways to pay off debt, consider the services available from American Consumer Credit Counseling (ACCC), a nonprofit agency dedicated to free credit counseling, affordable debt management, and showing people how to get rid of debt without ruining their credit score.

You can get your free annual credit report from each of the three major credit reporting agencies — Trans Union, Equifax and Experian.

And,’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.

Banks may offer you home equity loans, and debt settlement companies will offer to help reduce your debt for a fee.

We even share how we make money so you can enjoy our expert advice and researched recommendations with total clarity and confidence.

That negative mark will stay on your credit history for seven years.

If debt settlement weren't bad enough for your credit, consider this: your credit card provider won't negotiate your balance until your payments are already late.

They'll discuss the options available to you, including a variety of ways to settle your debt.

Depending on your goals, they may recommend a debt management plan, which is one the most effective ways to pay off debt for many individuals and families.

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