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helps you rein in out-of-control debt payments when things like credit card debt start to take up too much income and throw your budget out of balance.
What’s more, at the same time, consolidation allows you to pay off your debt quickly so if everything goes right, the completion of your consolidated debt payoff should end with your credit score in a better place than when you started. Credit utilization ratio is a key determining factor in calculating your .
It’s actually one third of the weight of your score calculation.
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