Call Now!

or

fill out our form for a Free Consultation

All consumer information is kept strictly confidential. ConsolidationNow.com takes your privacy seriously. By clicking the submit button, you agree to the  Privacy Policy, to be matched with up to 3 partners from our network, and consent (not required as a condition to purchase a good/service) for us and/or them to contact you via telephone, mobile device (including SMS and MMS), and/or email, even if you are on a corporate, state or national Do Not Call Registry.

  • Make a Single Monthly Payment
  • Interest Rates are Low and Fixed
  • Consolidating Now is Easier and Less confusing




Many types of consolidated credit solutions are available these days. There are financial tools and programs to help you control your debt and manage your finances. With the appropriate financial strategy and the right debt consolidation, you can improve your financial situation and even to reduce stress on your pocket.

How to consolidate your credit?

If you are pressured by many monthly payments, you are probably wondering how to deal with the multiple financial obligations. Consolidated credit may be the answer, especially if you are looking to:

  • lower your high interest rates
  • preserve or improve your credit score
  • educe the total amount of monthly repayments
  • get rid of your debts faster
  • have more disposable income
How to consolidate your credit?

How to consolidate your credit?

You can consolidate any unsecured debt and credit – such as credit cards, student loans, payday loans,  medical and other bills. Depending on the number of your creditors and the total of your debt, you may be eligible for more than one option for consolidation.

Keep in mind that some types of consolidation may require for a good credit score. These are typically the credit cards balance transfers (consolidation of multiple credit cards obligations into one credit card payment) and home equity loans. They usually offer the best interest rates and good terms and conditions for repayment. However, if you are already behind schedule with some of your existing debts, your credit score is more likely to be damaged and you will probably not qualify for those.

An unsecured debt consolidation loan is the less risky solution. You are not providing any collateral and your assets are safe. But you will likely pay a higher interest rate and your repayment period could be shorter.

You can consolidate your credit by applying to a debt consolidation company. Your application should contain personal information about you, type of credits you have (secured or unsecured), your monthly installments, your income and others at the discretion of the lending company. Debt consolidation companies usually provide free-of-charge counselling and experts to advise you. Then you will be offered the most suitable option for consolidation.

Bad Credit Consolidation

Bad Credit Consolidation

Bad Credit Consolidation

This is a more sensitive topic because having bad credit is usually making things more difficult. With a poor credit score, your options may be less favorable in terms of credit consolidation. Still, some of the debt consolidation companies have developed financial products to meet your needs in consideration with your situation. It should be noted that once you start the repayment of your new consolidation loan, your credit score will be affected positively.

Consolidated credit is highly recommended before your credit score turns worse. Of course, you must be ready to face some disadvantages, such as less creditors willing to lend you the sufficient amount to cover your liabilities.

 

Bill Consolidation

Unpaid bills are also debts. If you have many late payments on your current bills, this may be an additional complication. Unexpected bills with outstanding debts to creditors, outstanding bills may drain your budget. There are possibilities to combine your bills and debts into one consolidated credit. You should simply state your uncovered bills in your application for the new loan. That way, when you receive the sum for your consolidated credit, you will be able to repay everything you owe on time. Usually large medical bills and utility bills are preferred for consolidation, but you may try this with any overdue bills.

When to consolidate?

Unpaid bills are also debts

Unpaid bills are also debts

Whenever you feel overwhelmed by your monthly loans and bills, you may seek consolidation. You should get informed about risks and benefits of consolidated credit. You should ask the debt consolidation company about the applicable charges and fees.

Do you need to consolidate all your debts or just some of them?

Consolidated credit may be applied to all your existing debt or part of it. However, you should be aware that bad credit consolidation may require all your liabilities to be fully paid off to get back on track with your finances.

Sometimes you may need only bill consolidation – urgent repair bills, bills that soon will be transferred to debt collectors and others.

Important notes on Consolidated Credit

  • Consolidated credit only work properly if by receiving it, you get a lower interest and a reduced monthly payment compared to your existing rates and payments.
Important notes on Consolidated Credit

Important notes on Consolidated Credit

  • Your spending habits may need some adjustment once you get your bad credit consolidation or any debt consolidation. If you keep spending freely and irresponsibly, your consolidated credit may not serve its purpose of bringing you debt relief.
  • Good consolidated credit is the one that allows you to pay off your debts in 5 years. Any term above that is also acceptable, but it means you owe a lot and repayment will come slowly and costly.
  • You should be aware that consolidated credit may not be an option for people with limited income. You will need good income to convince your new lender that you will be able to afford your new payment plan (especially if your credit score is already being compromised).
  • Debt consolidation and bill consolidation do not eliminate or erase your financial liabilities. Consolidated credit is the chance to repay several creditors and to save your credit score, your assets and your income at the time being. It still is a loan that needs to be paid off. Once you make repaying a steady, timely payment habit, it will start working for you.  
  •  Consolidated credit is your tool to streamline the process of repayment.
  • You should probably avoid other loans and new credit cards for a certain period, as well as uncovered bills and prolonged payments.

Testimonials

"Thanks and I have enjoyed my association with you and your company. I would have never been able to do this on my own. Again, thanks for your help." Sandy P.

"My first student loan payment out of many loans was coming up and it was going to put a huge dent in my pocket. But luckily for me I found Apple Debt Care; they really helped me consolidate all my loans and now I only have to make one low payment that I can actually afford." - Eddy A.

"Thank you so much, I appreciate working with you and AppleDebtCare; You have already helped me so much and are continuing to help me get back on my feet and to manage my debt better." Demetrice M.