January 2016

I started out by calling CCC but after reviewing all the info decided to do it on my own. They were only going to be able to lower my interest rates by a couple of points on most of my cards and were actually going to raise my interest rate on one of them.

What I decided to do was take a couple of those credit card offers that have 0% interest and pay as much toward my debt as I can. make sure you check out the interest rate before getting into any debt consolidation program.