Which is a better route? A ?debt- consolidation loan? or a ?personal ...

Question by DEBT: Which is a better route? A ?debt- consolidation loan? or a ?personal? loan to pay off credit card bills?
How does either loan affect credit scores etc??Which one tends to get the better interest rate? Any reccomendations on what financial institution to go through? How much money do you need to make to take out approx. 10k? Any other info you can provide would help out a lot!

Best answer:

Answer by michelle1984
Personal loan. Debt consolidation ruins your credit

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