How to consolidate credit card debt without hurting credit score?

[lucasleva05]

Okay, looking for some help.

I've got about $30K in credit card debt, across several cards, I've been making the min payment for years without fail, but I'm not getting anywhere with the debt, it's staying the same because I can't afford to pay extra.

My credit history is long and solid so my score is mid 700s.

Is there anyway I could consolidate all my debt into the lowest possible monthly payment without hurting my credit score?

I don't own a home, but don't care if it takes 20 years to pay the debt off either, I just need to lower my payments.

Thanks!

[WendyB]

Re: How to consolidate credit card debt without hurting credit score?

ould you not transfer them to a new credit card(s) with 0% interest rates? Then while the low interest rate was in place pay off a bit extra. When the low rate comes to an end, move again to another card with a low rate. It's commonly known as card surfing lol.

[pompeyfaith]

Re: How to consolidate credit card debt without hurting credit score?

Is lucasleva an English citizen or an American one just I notice he was using the dollar symbol and the link James has given is also American.

[MIKE770]

Re: How to consolidate credit card debt without hurting credit score?

Ditto