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A lot of debt settlement companies’ websites are short on specifics.

It’s not hard to figure out why: They want you to call so they can hook you with a hard sell.

In addition, because these are not revolving loans, you don’t have to worry about credit utilization from this loan affecting your credit score.

Just like credit cards, personal loans are typically given out based on your credit history and score.

This method requires you to open up a new credit card account to which you move your existing credit card balances.


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