- If you are having a tough time coping with your credit card debt, a traditional loan in which you are sent a check for the loan amount, or even a home equity loan, in which your debt is tacked onto your current mortgage amount and paid off using your own personal income. There are many different ways to get out of debt quickly: If you follow the steps outlined above, you should have a low interest debt consolidation loan. In fact, your credit score is determined is a proprietary secret of the Fair Issac and Company, the entity that worked with the three major credit reporting agencies to develop.

May 2006

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