Why is that every inquirey you make to get a loan or credit card go against You .?

How are you suppose to get out of debt when you can%26#039;t consolidate .

Why is that every inquirey you make to get a loan or credit card go against You .?

STOP SPENDING MORE THAN YOU NET!!!!!!!!!!!!!

QUIT WASTING MONEY. ONCE YOU PAY OFF YOUR DEBT. DON%26#039;T CHARGE ANYTHING YOU CAN%26#039;T PAY OFF WHEN THE STATEMENT COMES DUE. STOP LIVING BEYOND YOUR MEANS!

TAKE A SECOND JOB, GET A THIRD JOB.

NO ONE EVER SAYS AT THE END OF THEIR LIFE. %26quot;I WISH I COULD HAVE PAID MORE INTEREST CHARGES%26quot;

Why is that every inquirey you make to get a loan or credit card go against You .?

The reason it goes against you is because the credit people think that you are trying too much to get a credit card or a loan and they see that as a bad thing because you want the credit.

Why is that every inquirey you make to get a loan or credit card go against You .?

Credit is all about risk.

Statistically, people who apply for a lot of credit are a higher risk so their FICO credit score goes down.

Consolidating debt will not solve the problem for most people. Most people get into debt because it%26#039;s too easy to use and get credit and the creditors make a killing off the interest and fees when you have your cards maxed out.

Most people who consolidate debt just get themselves in more trouble because they continue the pattern of spending into debt.

You have to get control of your spending and not using credit more than you have to.

Your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa, etc) that have zero balances and

1-2 installment loans(car, mortgage) paying on time. Work toward cleaning up your debt to get to this and not keep consolidating your debts into larger balances.

Good Luck