Have a lot of cc debt wracked up in the last 12 months and watching my credit score slowly crumble! I pay off a fair chunk every month but the interest is also big and I’m almost at max capacity for cc debt according to credit referencing companies.
I think I can get a loan to pay half of it off but need my credit score as high as possible as want to get a rental soon.
Will taking a loan out make things worse? The rate is much lower than the cc.