Consolidating Debt With Bad Credit

There are several debt reduction options for people who want to eliminate their debt, but have credit problems.

Are You a HomeOwner? - If you are a homeowner, then you have your home's equity working for you, counter-acting your bad credit history. Usually a home equity or refinance loan can be obtained to consolidate debt even with less than perfect credit or negative credit history.

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Unsecured Debt Consolidation - There are unsecured debt consolidation loans available, however,these usually carry higher interest rates than other types of secured loans available. There are many companies out there offering debt consolidation services, but make sure you find one that is reputable and registered with the BBB.

Non-Profit Debt or Credit Counseling - Although these services can help you reduce your debt, and help you avoid bankruptcy, they usually end up making your credit worse. Lenders do not like to see credit counseling on your credit report.