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Credit card debt consolidation may save you money, but it’s often not free.

Credit cards may have a balance transfer fee, so you’ll want to make sure that cost doesn’t outweigh the potential benefit of getting a lower interest rate on your debt.

Keep in mind a debt management plan may have a negative impact on your credit during the course of the program because your creditors will close or suspend your accounts while in the program, and this can affect your credit utilization.

So make sure you are ready to live credit card free for a while.

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 .

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

And, Credit.com’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.

Beware of any lender that promises to offer you a loan regardless of your credit.

It’s also a good idea to stay clear of websites and lenders that charge you big upfront fees for a debt consolidation loan.

With a debt management plan, you make one monthly payment to a credit counseling agency and the agency pays each of your credit card lenders.

Millions of Americans just like you are trapped in Payday Loan Debt because of sky-high interest rates and outrageous penalty fees.

Our goal is to help you Get Out Of Payday Loan Debt through Payday Loan Consolidation.

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