p.s. if you can use a good agent in Baltimore, let me know. I have a great colleague there.
I don't normally answer questions here but am here often and learning answers from all of them.
What I did in the past (my own experience). Whichever has the highest limit on your card contact them and see first if they can increase your limit. If they do talk to them about paying off those little ones. Just like consolidating in that account that has the highest limit. Don't forget to ask them when you should call to get a lower rate. If you're doing really good in paying it on time and more than your payment amount each month then you build trust with them They'll help you out. Talk to the manager not just anybody there. If this doesn't work call all the other creditors you have and do the same thing.
Third option. Those new offer call them and ask who can give you a better rate. Once you have a new account open one and pay those who has a higher rate if possible combine them. Make sure that you are using your money to pay this loan (consolidation) don't get tempted using the money somewhere else.
I've been also with debt consolidatin thru internet. I got cheated and lost almost 3,500 dollars for monthly fee and they neer pay my bill.
I hope this help. for the meantime save money for the house by managing your cash wisely.
We had a really rough time getting the mortgage done because she had no open and active trade lines on her credit report. I would strongly suggest that you work with a great credit couselor and not do anything until you do. I teach classes on this subject and offer it as a free service to my customers.
In the meantime, you might think about just leaving everything alone until after you purchase if you can qualify with the debt ratios and then really going strong after you have those new home keys in your hand.
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