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Debt consolidation may be a good idea for people with excessive debt.
Even if you have a good credit history, it is a prudent to investigate your own credit report, especially if you are planning a major purchase, such as a home or car. Checking before-hand on the accuracy of the information in your credit report is important because there are often many mistakes that can be fixed quite easily. This will insure that you get the loan rate you are entitled to.
A bill paying service is not the same things as a debt consolidation service. Be careful not to confuse the two. Debt consolidation is a way to save you money. Bill pay is a way to make your life easier by paying your bills for you. It does not help you lower your debt. So, what is needed? consumer credit counseling new york
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Debt Consolidation
