Consolidation Loan Vs. Debt Consolidation

with a 635 score you will not get any kind of unsecured loan,and beware of scum who will offer the loan,but need a substantial amount in advance.those are scams.to sum it up.an unsecured loan with a 635 score isn't happening. come up with a plan to pay down your current cards to improve your score.since you don't want to further hurt your credit there is no other way.

You can try your local bank to see if you can get them to give you a loan... usually you need to be in the 700s to qualify, but when I used to work for the branches of my bank we would give customers who have a long standing relationship with the bank and a consistent deposit history a break, especially for a debt consolidation loan... from the bank's standpoint (many times they have CCs with us too) it's better for us in the long term if the person paid off their debts.