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Discussion in 'Credit Talk' started by Tornado, Feb 13, 2001.
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It may be difficult to do, but the best thing to do seems to be to pay off some of the smaller cards first to improve your dept ratio, then see if you can get an increase on them in three months. At this time you should be able to be approved for a consolidation loan and if not repeat the process with another card until your dept ratio really improves.