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Most lenders offer rate quotes, which are soft inquiries on your credit and have no effect on your credit score.
When you do a hard inquiry during the final approval process, it will be reflected on your credit report. Although debt consolidation loans are a legitimate solution for eliminating debt, some other debt consolidation options are scams.
Assess your current debt total by listing out your debts, including credit cards, student loans, car loans and any other accounts.You don’t want to create new debt that you’ll have to pay on top of your debt consolidation loan.You will go through several steps to apply for and receive a debt consolidation loan.“Make sure you have plenty of cushion in there so if something happens and you had to sell your home, or you had to move ...you don’t end up losing your home.” Repayment terms can be 10 years or longer, and if the value of your home drops during that period, you may owe more than your home is worth.