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    Some 41% of American adults say they know someone who uses online dating, while 29% indicate they know someone who has married or entered into a long-term partnership with someone they met via online dating.

    Consolidating debt without hurting credit

    If you're paying on time, the credit card company has no reason to believe you won't continue doing so.

    This means you'll have to stop making credit card payments to get the settlement you want.

    Additionally, our star ratings are a mix of user feedback and Nerd Wallet’s independent evaluation which are independent of compensation.

    For a list of all of our advertising partners, click here' With so many websites offering free financial tools, it can be hard to know whom to trust.

    At ACCC, our professional credit counselors will show you how to pay off credit cards, help you set a budget, and provide resources you can use to manage finances more effectively.

    And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.

    The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.

    The following five tips can help you figure out which credit card consolidation strategy suits you best.

    Many common ways to pay off debt involve higher interest rates, larger fees, additional debt, or a negative impact on your credit score.

    To find better ways to pay off debt, consider the services available from American Consumer Credit Counseling (ACCC), a nonprofit agency dedicated to free credit counseling, affordable debt management, and showing people how to get rid of debt without ruining their credit score.

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