You need a good score to qualify for those low-interest loans or 0% cards.
Credit card consolidation is the "reset button" many people use to simplify their finances. What is Credit Card Consolidation? consolidate credit cards
If you own a home, you can borrow against your equity to pay off your cards. You need a good score to qualify for
Origination fees and the temptation to run up the credit cards again once they’re at zero. 3. Home Equity Loans or HELOCs a 3-year plan).
People who want a predictable "end date" for their debt (e.g., a 3-year plan).