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jet5090

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no one will grant me a loan for debt consolidation because of past bankruptcy

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Depends on hoiw long ago the bankruptcy occurred.  If it is less than 10 years ago, that denial is to be expected because notice of a bankruptcy remains on your credit report for 10 years.  You should receive a written notification of all the factors involved in denial of the loan so that you can work on correcting the things holding you back. Basically, a bankruptcy tells all that you cannot afford to pay all the bills you racked up  and such a report will make future lenders a bit 'gun shy' about trusting you again.  Work on getting your spending under control so you can improve your chances of being eligible for anot[her loan later on. 

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nandog

For you there is Greenpath debt consolidation company. They will consolidate most of your debts into one monthly payment. They will get the credit card companys to reduce there interest rates etc. You will be able to pay off your debts in 3 to 5 years most of the time. Good Luck!!!!!!!!!!!!!!!!!!

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Consolidation may not be good

When you consolidate a .dept unless your going threw a finacle lender thats going to bargain the dept down. Your inccuring new finace charges and fees. Sometimes even a balance transfer fee. If you can't file bankrupcy then just pay them off one at a time. As for credit consuling and repair services they can sometime do as much damage to credit as a bankrupcy. As for filing bankrupcy and wanting to consolidate credit after the fact It simply sends message you couldnt manage credit then and you still cant manage it now. You can out weight a bankrupcy with good history but if you need to consolidate to do it not very positive position

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