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Start by listing each of the debts you intend to consolidate — credit card, phone, medical bills, utilities, etc.

Learn More About Management Plans A Debt Consolidation Loan (DCL) allows you to make one payment to one lender in place of multiple payments to multiple creditors.

However, at the end of the 3-to-5 year process, you should be debt free, which definitely improves your score.

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