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Slowly rolling over, or merely consolidating for another move higher?Given the generally healthy appetite for stocks, globally, and trend in the FTSE we are giving the benefit of the doubt to the notion of the index undergoing a period of consolidation prior to higher prices.Knowing your credit profile before you apply can help set expectations.Several personal finance websites, including Nerd Wallet, offer free access to your credit score and credit report.Debt consolidation loans allow borrowers to roll multiple debts into a single new one with fixed monthly payments and, ideally, a lower interest rate.Compare loans for debt consolidation and learn about your options for consolidating debt.Debt consolidation won’t work if you have too much debt or haven’t fixed underlying spending issues.

The footsie has been very choppy the past few sessions, literally trading today at the same prices it was last Monday.The triple combination of range low/t-line/neckline makes for a solid confluence of technical events worth leaning on.Stay above, staying bullish; break below, turning neutral to bearish.Borrowers with excellent credit and low debt-to-income ratios may qualify for interest rates at the low end of lenders’ ranges.Someone with poor or average credit may be able to get an unsecured personal loan on the strength of a steady income and low debt levels, but should expect rates toward the higher end of the range — up to 36%.Nerdwallet has reviewed more than 25 lenders to help you compare and choose one that’s right for you.Below is a list of Nerdwallet’s top lenders for debt consolidation. If you’re borrowing money to pay off debt, a personal loan works best if you have a plan to tackle your debts.Look for a site that offers educational tools such as a credit score simulator or guidance on how to build credit.If you can’t qualify for a loan through a reputable lender, don’t head for a payday lender. For borrowers with good credit, a balance transfer credit card is an alternative to a debt consolidation loan.Once the introductory period expires, the rate on a balance transfer card is usually higher than on a personal loan.In addition to paying off your balance before the rate increases, you’ll want to avoid making further charges.

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