Category: Debt Consolidation

Our News articles are designed to create understanding and responsibility around money management and empower you financially.
Beyond Bad Credit: Rebuilding Your Credit Score after Defaults
Personal Loans

Beyond Bad Credit: Rebuilding Your Credit Score after Defaults

A default on your credit file can feel like a financial setback with no easy way forward. Whether you missed a mortgage payment, fell behind on a personal loan, or experienced an unexpected hardship, having a default listed against your name often makes lenders hesitant. However, it’s important to remember that defaults don’t last forever and with the right strategy, you can rebuild your credit score in a realistic, step-by-step fashion.

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What Is a Credit Utilisation Ratio?
Credit Card Consolidation

What Is a Credit Utilisation Ratio?

For many borrowers, especially those navigating multiple loans or credit lines, credit utilisation ratio (CUR) is a key metric that influences both credit scores and overall financial health. But what is it exactly?

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Debt Consolidation

Debt Consolidation vs Creating Your Own Repayment Plan

Choosing the right financial recovery tool can be quite a headache! What’s the best choice between debt consolidation and making your own repayment plan? What are the factors to consider when making a decision? Read on and find out.

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Debt Consolidation

Is Debt Consolidation better than Bankruptcy?

When you have a lot of debts with different interest rates, the first thing you will think of is debt consolidation. However, there are certain situations when debt consolidation doesn’t make the cut and other options seem more feasible. Is bankruptcy one of them?

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Debt Consolidation

When Is a Debt Consolidation Loan Feasible?

Debt consolidation loans can truly be a great help, but you must know when you need them. Moreover, there are many other aspects that come into play, like the ones mentioned above. So, review your situation thoroughly before you take such a debt consolidation loan because it can have disastrous consequences if you go for it lightheartedly.

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reasons to consolidate debt
Debt Consolidation

Why Consolidate Debt?

A debt consolidation loan may be the perfect solution for people suffering from financial stress. But why consolidate debt? This financial solution can get you

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