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Debt consolidation with contradictory score vs payback history
I am finding it confusing to decide if it's worth trying to get a personal loan to accomplish debt consolidation. I have a relatively good CK score but high utilization (from the past, not current) of my one credit card and missed a couple payments due to medical issues and moving. Heeping in mind that the score is not the only thing looked at, how do I manage to get a personal loan that can help me discharge some debt and centralize my payment base.

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