Before getting into how a debt consolidation loan can help your credit you have to understand a credit rating and a credit score are two entirely different things. A credit score is derived from items reported in your credit file by complex algorithms and is used to determine whether you are more or less likely to default on your next loan.
A credit rating is assigned by a person that looks at issues beyond your credit report and decides just how creditworthy you are. How much money do you make? Do you have stable employment? What is your ability to use dormant credit lines. These are all things considered when determining your credit rating.
Can a Debt Consolidation Loan Hurt My Credit
The simple answer to this is YES because a “hard” inquiry will show up on your credit report. A hard inquiry indicates that you have applied somewhere to get credit and any time this occurs your credit is affected. If you have applied for a car loan, mortgage, student loan or credit card these will all show up as a hard inquiry on your credit report and result in a short term dip in your credit score. But not too worry, a short term dip can result in a long term rise.
Can a Debt Consolidation Loan Help My Credit
The simple answer to this is a resounding YES and you will likely see a jump in your score within the first few months. If you have debated the pros and cons of debt consolidation loans, you know that in taking out this type of loan you are quickly reducing your credit utilization ratio, or the amount you owe on your credit cards relative to the amount of credit you have available.
According to Experian, the nation’s biggest credit bureau, your credit utilization rate can have up to a 30% impact on your credit score. Only balances on revolving lines of credit are factored into your credit utilization ratio. By moving your debt from credit card over to debt consolidation installment loan the shift will have a minimal impact on your credit and should result in a higher credit score.
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