What's yr thoughts on this rebuilding decision

[Anonymous]

Hi fico

I just wanted to c what's ones thoughts about a decision I made for a personal loan

Over a yr know I been rebuilding my scores still not over 650 little less
Better than 480 when I started
I had so much on my reports and still trying make settlements for PGS
I got a signature loan last Aug with pay day loan sharks ha ha
Anyway yes Apr 160 payments 382
2600 borrowed
5 months paying and all intrest
A mistake but emergency
Today i took a personal loan APR 31%
Still credit doesn't get me gd rate
But I took the option of combining the balance of my car and rest of my debt
Guess u can say refinance
And just pay everything have one payment
I been workn 2 jobs struggling
I'm 50 on my own and just tired of c no way out
My loan payment will b 400
Yr thoughts
Car 400
Student loans 200
Sig loan 382
Debt 1000
1900 or more I would of been paying monthly
Know 1 payment 400
Only thing know loan comp owns car

[Anonymous]

First make certain that at least the minimum is paid on each every month. Next begin to pay off the lower total due debts. If and when possible pay more. Do not take on anymore debt. Good luck.

[Anonymous]

Thank u for input
That's what I'm doing take the personal loan pay everything
Have 1 payment 400
Then as I get ahead pay more
I was trying to c if it's going to lower my scores
Workn so hard on rebuilding even it does everything will b paid and in time build back up
And only paying 1 debt
Thanks