I am a student and have no property. But my credit score is average, I’m told. I want a loan to pay off my high-interest credit cards. What do I need to do to get one? Should I do it at a bank or somewhere else?nAlso, is it possible to get such a loan without closing my credit card account? I can stop using it but I want to leave the account open since it’s been open with good standing for six years.nAny recommendations on banks?

for too much credit card debt? For how long?

I filed my taxes today and included a 1099c form for a credit card debt of $10,107. Now that this debt is paid, how can I get the credit card company to remove this from my credit report so my credit score can go up. All of my bills are paid on time and I only have one debt left that is a positive on my report. My goal is to be debt free and buy a home this year.

I am 27 and am in debt to the tune of 5000 dollars. I really want to fix my credit and get myself on track but I have no idea where to begin. I want to raise my credit score it is at 536 right now. Does anyone know how to do this in less than a year?

Just wondering if anyone has used a debt management service and knows if this is possible. I know they set them to automatically close when they are finished, but does anyone know if you can contact the credit card company and ask them to leave it open once it is paid off? The reason I ask is because I know it is better for your credit score to have accounts that are a few years old open, with available credit, rather than closing them when they are paid off.