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Yes. If you have a low credit score (A.K.A. – FICO score or bad credit) you can still be approved for debt consolidation or debt relief. However, in the case of debt consolidation your APR (interest rate) will be higher than a borrower with good or great credit. The good news is we have a 100% free APR estimator tool built into our patented SwiftWire™ system. It estimates your personal APR based on survey answers from other borrowers in your ZIP code with similar credit scores. You can use this free tool as much as you like anonymously. After using the form you will have your estimated APR (interest rate) which you can enter in our interactive loan calculator. This will give you an estimated payment breakdown, total costs, end date of contract, and more.