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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads

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debt consolidation...how much does it really hurt your credit?

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hi all


few years ago I started a master program and received a student loan from my home country (not being US citizen I couldn't apply for a federal student loan)..then I had ~25-30k of family emergency expenses and ended up putting all the remaining tuition fees on my credit cards. i got a new job last year and now I have ~$800/month in cc payments + $900/three months for my other student loan, which will become $2,000/three months next year). I have ~35k in cc debt over 6 cards with interest between 13-15%, an income of ~85k/year and a FICO of 680. I'm thinking about starting a debt consolidation program since lots of times I get to the end of the month with almost nothing in my bank account. expenses wise I'm pretty low, I don't really buy stuff, rarely eat out, get my coffee at home etc etc...and yes, at some point I'd like to get a house...


I talked to Pacific Debt Relief and National Debt Relief and gave me similar payoff options. my goal is to get in this and pay it off asap (before the end of the contract). so, how much would this actually dip my credit score? and how long would it take to build it back up?


thank you :)

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Welcome to CreditBoards. Just be a little patient, someone will be along shortly to give you some advice. Glad you found us.

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All those credit cards will be closed when you go into a program. We have been in the program for 2 years and my husbands score is 725 and mine is 685. It increases often because the amounts due are decreases faster than if I stayed in the predicament we were in. So initially you will notice but there's a light at the end of the tunnel.

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