I am trying to consolidate my credit card debt without being a homeowner, what are my options ?

Credit and mortgage advice Forums Consumer Credit Debt Management I am trying to consolidate my credit card debt without being a homeowner, what are my options ?

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      Anonymous
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      I owe about 11,000. My FICO score is good and none of my bills are delinquent. I want to maintain my FICO score as best I can while consolidating my bills to reduce interest and pay down faster. I cannot qualify for a personal loan due to my credit to debt ratio, and not being a homeowner. Is consumer credit consolidation better than debt settlement ?
      I always pay more than the minimum payment, sometimes twice the payment, however, 2 of my cards were taken over by another bank and they raised my interest to almost triple what it was when the debt was incurred. The payments I was making was reducing the debt quickly, but now with the new interest rate I had no control over, the whole payment seems to go to interest.



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