jovesperlallengua.org

When my wife and I decided we wanted to buy a new house, we were excited to see what was on the market.  We went to the bank to see if we could get a loan.  We were amazed to find out that our credit scores were lower than they were the first time we got a loan.  It turns out that having large credit card balances can lower your credit score.  One or two late payments also hurt our rating.  So we used a debt consolidation service to make our debt more manageable, and now we are getting ready to buy our house.