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Image source: Getty Images Debt consolidation can help you get out of overwhelming debt, but it may affect your credit score in surprising. payment to manage and, if you do it right, a lower.
Remember that getting pre-approved for. are going to affect your monthly debt-to-income ratio (and residual income on a VA loan), and not in a good way. Hard inquiries on your credit report could.
A credit freeze does not affect your credit score, but it can keep you from being approved for a new credit card or a loan. A fraud alert, which sounds similar, is not as drastic as a freeze. It lets.