Consolidating business debt is timing a big deal for guys and dating

And if you make your credit card or loan payments as agreed, you’ll establish a positive payment history, which affects your credit scores more than anything else.

(Payment history accounts for 35% of traditional credit scoring models.)Transferring credit card balances, paying off credit cards with a personal loan or enrolling in a debt management plan is only the beginning of credit card debt consolidation.

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.

Debt management plans typically last three to five years.The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.The following five tips can help you figure out which credit card consolidation strategy suits you best.Failing to pay a personal loan as agreed will hurt your credit, so stay on top of your loan payments and work to Credit card consolidation can affect your credit in many ways, depending on which strategy you choose.For example, if you’re consolidating multiple balances onto one card, you’ll want to avoid maxing out that card’s credit limit, because that will hurt your credit utilization rate (how much debt you’re carrying compared to your total credit limit).

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