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A great way to consolidate debt, especially if you have bad credit, is to enroll in a debt management program, which we’ll discuss in a moment.
Collection accounts fall off your credit report after seven years.
You get the money, pay off your accounts, and then make a single monthly payment to pay off the new debt.
Doing so will help your credit score, because the amount of revolving debt you have is a significant factor in your credit score.
Don’t use them while you pay down your debt consolidation loan.
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