Not sure dmp is but I would say having more than a credit score of 670and higher is a start. I’ve seen people get approved with less. I would say depending on your debt to ratio, credit inquiries, how long you’ve had credit, old and new account, if you are a high risk spender, i would waste the hard pull— all these would play a major role.
If your credit is a little shaky, honestly I would go the route of a personal loan by avant, prosper, lending tree or something like that. it takes less than three days for them to deposit the money in your account and you can also see if you are pre approved without a hard pull. If you decide to move forward with care credit they pull transunion FYI
If your credit is a little shaky, honestly I would go the route of a personal loan by avant, prosper, lending tree or something like that. it takes less than three days for them to deposit the money in your account and you can also see if you are pre approved without a hard pull. If you decide to move forward with care credit they pull transunion FYI
Starting Score: 640
With consolidation, have you confirmed wether your creditors will mark your account as “ paid as agreed” “paid in full” “settled amount” just curious. Settled amount in your report maybe a red flag but with care credit you never know. I’ve been denied due to high utilization in the past 3-4x with a 670 CS. I was finally approved instantly for 7k.
I say go for it. If you don’t have inquiries and willing to risk the hard pull. The worst that can happen is they say no and 1 hard pull. If that’s to risky apply for a personal loan (google).
I personally wouldn’t apply but I don’t know much about debt consolidation. My logic if I were a creditor— if she’s currently in debt consolation with a company that needs to manage her bills, why would we give her more credit at the moment? That maybe a reason why they say hold on to one card.
Pull the trigger! Save your dog, and use that as motivation to cut back elsewhere.
Best of luck! I hope all goes well for your dog. Woof!