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Credit cards

I didn't use a personal loan, but i used national debt consolidation to pay a bunch of credit cards. Ur credit suffers for the length of your consolidation but it can go up slowly over time. Mycredit score is slowly increasing & I will finish paying off my consolidated credit cards and loans by Feb. Next year which I would have never done otherwise because I kept on reusing them! My monthly payment to them its also lower than I Was previouslypaying to the credit cards/loans companies. However you should consider a move like this only if your debt is over 15,000 (as mine was). Otherwise a personal line of credit if aproved, is better because it will not impact ur credit as much and are good for smaller debts). Good luck!