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  1. I currently have approximately 9000 in credit card debt. This is dragging my score down. Will it be beneficial to apply for a consolidation loan at around 19%? Everything else is great, never miss a payment, own a home, truck financed over a year ago. I am trying to maneuver to get my score up, as to have better options to then refinance the debt at a lower rate. Is this something that would do more harm than good, or a solid idea? Thank you!
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