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Do you know how good or bad your credit is? Are you having trouble meeting your bare small monthly payment obligations? If your credit score has been declining recently as a result of missed payments to creditors, a bad credit debt consolidation plan may be what you need.

By combining many high-interest loans or credit card debt into a single manageable chunk of debt, you may be able to reduce some of your huge monthly debt. What’s the deal with that? You might be able to join high-interest loans or credit cards into a more manageable loan with a lower annual percentage rate. When you get a credit card offer in the mail with a lower interest rate than your current cards, you can transfer your balances from your previous cards to the new card. It’s a quick and easy way to cut your least monthly payment while lowering your annual percentage rate on your outstanding debt.

Examine the fine print before transferring your credit card balances to the new lower annual percentage rate. If your credit score is poor, it may be difficult to get a credit card with a reduced interest rate. If you have bad credit, it may be tough to locate a credit card issuer or lender ready to assist you lower your interest rates. In the past, having excellent credit would have given a customer the best rates, but in today’s market, there is a lender for every type of credit rating, and people with less-than-perfect credit can also get a bad credit debt consolidation loan.

Many people in today’s unstable economy have less-than-perfect credit, which many lenders recognize and are prepared to lend to. Finally, many people overlook one important aspect of a poor debt consolidation loan: use the equity in your automobile. Most individuals recognize the value of their property right away, but if you own a vehicle with little mileage and a modest payback amount, you may be able to get a used car loan at a lower rate than you would pay on your credit cards. In some cases, the interest rate on a vehicle loan may be half that of your highest-interest credit card.

A negative credit debt consolidation loan is a credit card debt consolidation loan where you are not required to repay the full amount of the loan or make any monthly payments but only make the smallest payment. You’ll be responsible only for the interest accrued so far.  This type of loan is ideal if you have a poor credit rating and need to merge your debt. It also helps if you have a large amount of credit card debt, as it could be a good way to lower your interest rate.