Taking out the loan with the credit union was an idea I had because I want to but a home in about 6 months. I want to get this debt paid off and I DON'T want to charge them up again. I have come to realize this cycle of debt and I am tired of having it. I understand it will be of no use to me if I use the credit union to consolidate only to charge those cards back up. That is not what I want to do. In fact I have taken all my cards out of purse except my debit to force myself to use cash. If I have to come all the way home to get a cc then I have time to think about if the purchase is really worth it.
Thanks for the suggestions everyone. I guess what I have learned from all this is the best way to get a good FICO score and keep one is to keep debt down and pay on time. I always pay on time but I gotta keep my debt down. I am not sure if the CU has even approved the loan but either way I am still sending triple payments to my cc's to pay off one way or another.
Yep.. Keeping your balance is low is just as important as paying on time!
