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If your creditors are not receiving all the money you send to your debt  [https://www.ekonomistyrning.se Offert bokföring] consolidation service, consider using a different debt consolidation service.<br><br>An important tip to consider when working to repair your credit, is the fact that you cannot legally have a second credit file created for you. This is important to know because there are sammers who offer to do this, and it is completely illegal. You can only have one social security number and one tax ID.<br><br>For debt consolidation, visit a debt management professional. These professionals will help you lower the rate of interest on your debt and try to get late fees and penalties dropped. These two factors are big reasons why people need to consolidate debt. High interest and late fees on multiple accounts can really add up quickly.<br><br>Pick the debt consolidation company you use wisely. Just as with many other decisions you make, you should compare companies first. 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