I have excellent credit. The two major cc's I use have limits of about $15,000. So that's not the problem. I am wanting to consolidate the two (about $10 or $11,000 total in debt) and I was considering getting a personal loan but I don't know if that is a good idea or if I should just get a cc w/a really good %rate and consolidate it there and pay it off. Also, I haven't looked at my credit report in quite a few years but do recall that I have some store cc's on my report that I haven't used in at least 8 or more years. I know some are still open and I was wondering if it creates any problems if I were to close them all at once? Also, since I receive at least 2 cc offers a day in the mail does that mean that they're always checking my credit report? Does that affect it in any way? Will it affect it if I order a report for myself? Thanks for you help.