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Consolidating with mid 600 credit score

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2 replies to this topic

#1 acmaddox0825

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Posted 08 August 2017 - 08:45 AM

Greeting everyone. I'm seeking advice on my particular situation.

I brought on some debt from a recent car purchase and maxing out most my cards after moving to another state, as a result my credit score dropped from the mid 700's to mid 500's! ( yes 200 points.. embarrassing) I've paid all but 4 of my debts off, two are cars with low balances ($800 and $500) and two with large balances ($3500 and $2500) according to credit karma , after I pay the smaller of the two cards my credit score should be in the mid 600's. At this point I'd like to consolidate my two larger cards to a single payment with lower interest ( currently the minimum payment together for the two larger cars is $250 with 24% and 21% interest rate)

What are my chances of being able to consolidate / refinance my two larger cards at that point?

Thank you in advance for your help!

Sent from my iPhone using Tapatalk

#2 MarvBear


    Velvet Hammer

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Posted 08 August 2017 - 09:54 AM

Welcome to CB.  Someone will be along shortly to assist 

#3 Kat58


    CB Detective

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Posted 08 August 2017 - 03:19 PM

Hi  :)


Credit Karma scores are Vantage? scores... ignore them & their advice. You can get all 3 reports/FICO 08 scores from creditchecktotal.com (CCT). They have a 7-day trial for $1. Cancel on day 2, so you don't forget. You will still have access to CCT for 10 days total.


Please list ALL of your CC's by Name, Balance, Credit Line, and APR. We will be able to assist you better with this information.

Edited by Kat58, 08 August 2017 - 03:24 PM.

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