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winterlove123

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is there any way to get a loan to put all my together and pay one sum
i would like to get aloan to pay off all my cards and make one paymemt is there any bank or loan company that would take a risk me with a score of 640

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There are ways to do that, although with a score of 640 you're probably going to end up paying pretty awful interest. You might try the online peer-to-peer lending sites, LendingClub.com or Prosper.com.

Also, what usually happens when people consolidate is that they feel so "liberated" from those payments that they turn around and run up more debt. So please be very cautious.

You might consider instead trying the debt snowball method (google it) for a more satisfying way of paying down those debts.

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