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Eliminate high-interest Credit Card Debt in as little as 24 - 48 months

Eliminate high-interest Credit Card Debt
in as little as 24 - 48 months

Texas Debt Management License: 1900064636-215879

Texas Debt Management License: 1900064636-215879

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Ways To Improve Your Credit Score After Getting A Debt Consolidation Loan In Sugar Land

Sugar Land Texas

Your credit score is crucial in ensuring a healthy financial habit. It is what will sell you to the lenders at first glance. A better credit score ensures you get approved for new loans of new credit lines faster. You can also get a minimum interest rate on a borrowed loan when your credit score is at its best. There are many ways you can enhance your credit score after taking a consolidation loan in Sugar Land Texas. All you require is some time and much effort. Check these few steps to guide you in the right direction. Debt Consolidation Loan In Sugar Land

Review your Credit Reports

After getting debt consolidation in Sugar Land Texas, find out what’s working for or against you from your credit reports. Get copies of your credit report from 3 major national credit bureaus. You can get these copies for free once every year and then go through them to see what is or not helping you.

Manage your Payments

With proper credit counseling in Sugar Land Texas, you can develop a simplified list of all the payments you should make every month. Set reminders to ensure you do not forget to make the payments in time; this can significantly improve your credit score in a few months.

Contact your Creditors

If you miss a payment deadline by any chance, you must contact your creditors immediately. Set a payment plan and address your problems as soon as you can. Even if you opt for debt relief in Sugar Land Texas, you can start rebuilding your credit score quickly by making on-time payments on any new credit that you take out after the program.

Limit Applying for New Credits

Any new credit may boost your overall credit limit, but it also may damage your credit score if you open multiple accounts in a short period. Lenders may make inquiries into your score and realize you have had a lot of new credits in a short period because you are having some financial difficulties. Therefore, they will see you as a new risk.

Don’t Close the Old Accounts

The older the account, the more you become favorable to lenders. Do not close the old credit accounts you are not using. As much as the credit history of those accounts remain in your credit report, closing them while you have debts to pay will lower the available credit you have. In turn, this will increase the credit utilization ratio. If you are not keen, this will lower your credit score by a few points.

Improving your credit score after taking a consolidation loan is a wise move to make. It can take a few weeks or even months to see the impact, but the wait will be worth it. You can seek the help of some renowned credit counselors in Sugar Land Texas to help you walk this journey.

If you are struggling to pay your debts, it might not be the best time to think about improving your credit score since you cannot afford the debt you already have. Consider a credit counseling program to lower your interest rates and provide you with one monthly payment. A debt settlement program could negotiate lower balances without a new loan and provide one monthly program payment. Both of these programs could be a better alternative to bankruptcy in many situations.

How to Receive Debt Consolidation in Sugar Land, Texas

The fastest way to get help is to call to speak with a Texas Debt Specialist now. You may also fill out the form above and one of our Texas Debt Specialists will reach out to provide you with a free and no-obligation consultation for Debt Relief or Debt Consolidation in Sugar Land, Texas.

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Debt Consolidation Sugar Land, Texas, Credit Counseling Sugar Land, Texas, and Debt Relief Sugar Land, Texas Consultations are Free of Charge with no obligation. Affordable Debt Consolidation is not a lender but offers a platform to receive offers from participating lenders.  Credit counseling clients generally obtain an interest rate between 6% and 11%.  Debt negotiation clients who make their scheduled monthly program payments generally experience approximately a 45% reduction of their enrolled balance before fees over a 24-48 month period, not including any optional and separate services such as legal services provided by a law firm.  Our settlement fees are 15% of the enrolled balance compared to 25% charged by most competitors. Individual results vary based on the ability to fund the program, and the creditors enrolled. Statements made are examples of past performance and are not intended to guarantee that your balances will be reduced by a specific amount or that you will resolve debt within a specific time period. Settlement fees are not charged until a debt is reduced and payment has been made to the creditor. We do not assume consumer debt, make monthly payments, or provide tax or legal advice. We are not a credit repair firm. Please contact a tax professional to discuss any possible tax consequences of paying less than the total balance. Debt Relief programs are exclusively offered to Texas residents. Logos used are property of their respective owners.

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