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Consolidation also refers to the merger and acquisition of smaller companies into larger companies.
Consolidation involves taking multiple accounts or businesses and combining the information into a single point.
Options to consolidate your credit card and other debts include a balance transfer credit card, an unsecured personal loan, a home equity loan or line of credit and a 401(k) loan.
The option that best suits you depends on your overall debt load, credit score and history, available cash and other aspects of your financial situation, as well as your self-discipline.
You’ll need a good to excellent credit score — above 690 — to qualify for most cards.