Does consolidating credit cards hurt credit score

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Don’t have a credit history established, or have a low credit score?It can be challenging to find lenders that will approve you if you have a thin credit file or poor credit, but it’s not impossible.Lending Club is not available in Iowa and West Virginia Read Less Upstart: Borrow between ,000 and ,000 for up to 5 years with APRs ranging from around 8.92% to 29.99%.

Prosper is not available in Vermont, Connecticut, Iowa, North Dakota, Maine, New York and Pennsylvania.

Lending Club has an origination fee of 1%-6% on its loans.

Lending Club is not available in Iowa or West Virginia.

A low score, or thin file, could just be a result of a short credit history.

If you have a clean history (no late payments, low credit utilization, etc.), you’ll have an easier time obtaining a loan over someone who has had delinquencies on their record, but might have a higher score.

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