Does consolidating debt affect your credit score


13-Apr-2014 04:50

does consolidating debt affect your credit score-18

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Vantage Score has not released similar information.How long does it take to recover from a bankruptcy? says that varies with how high a person wants their credit score to go.

If handled correctly, debt consolidation can bring financial freedom by relieving the weight of overwhelming debt, but debt consolidation can also affect your credit score.

The option you choose to consolidate debt may improve your credit score, leave it the same, or degrade it significantly.

Learn the impact credit counseling, debt settlement, bankruptcy, and debt consolidation loans make to your credit score.

Under the Fair Credit Reporting Act, a bankruptcy can appear on a credit report for 10 years from the date of filing.

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However, because the FICO and Vantage Score scores give more weight to recent items, the effects of a bankruptcy fade with each passing year.

According to Fair Isaac & Co., a person with a 680 starting FICO score will see their credit score drop to 530-550 following a bankruptcy.



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