i dont have much debt, maybe around £5,000-£6,000. i have a baby on the way in december tioo so didnt want any debt - I have applied for one or two loans with no joy so am considering Debt Consolidation -
1. does this affect my credit rating?
2. is it a good idea
3. can i have your personal experiences and with what companies?
4. also can anyone recommend any DECENT loan conmpanies for not so good credit rating?
HELP!
thank you.
Debt managemebnt i think is what i ment - I DO NOT WANT TO SECURE AGAINST ANYTHING
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