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Your credit utilization ratio — that is, the amount of available credit you use — has a huge influence on your credit score.

If you use a balance transfer to consolidate your debt, especially if you move multiple balances onto one card, your credit utilization ratio will suffer.

That said, if you pay down the debt aggressively, this effect will be temporary, and having more available credit does help your ratio in the long run.

No matter your approach to debt consolidation — 0% APR balance transfer credit card or personal loan — you’ll experience a smaller dip in your credit score if you keep old accounts open after paying them off.

And if you choose a credit card balance transfer, but don’t budget enough to tackle your balance by the time the introductory period ends, you may owe as much interest as you did before — or even more.

If you take out a loan but aren’t able to make payments on time, this will further damage your credit — and could leave you homeless, if you chose a home equity line of credit.If you can’t qualify for a loan through a reputable lender, don’t head for a payday lender. For borrowers with good credit, a balance transfer credit card is an alternative to a debt consolidation loan.Such cards have an introductory 0% interest rate, which increases after a promotional period, usually no more than 21 months.Still, if you’re boosting your credit for a specific reason, like applying for a mortgage, it’s a good idea to start the process long before you need a higher score.Debt consolidation loans allow borrowers to roll multiple debts into a single new one with fixed monthly payments and, ideally, a lower interest rate.




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