Needssome help on refinancing some debt

Willing to be the test subject of me sending someone to https://www.kosherdebthelp.com/ ? My understanding is they do balance transfer and debt conslidation work for free and if i could outsource that one part of the financial planning process it would be awesome.

I am yes

okay let's do that then. I'm happy to be the financial advisor over your overarching plan if you'd like but we can use them for the debt consolidation stuff. yes follow their link and report back!

ok I'll will follow the link and report back. I'm going to remove my details from original post

the details might help inspire others, just fyi

I'll happily write a retrospective which will be even more inspiring

sounds good, this is the first org that i've seen that does this work that doesn't look like a scam

I filled out the application and noted whatsapp as my preferred method of communication (you can choose that between sms and email and you can only choose one). In any case, I think my case is pretty straightforward. need to refinance at 0 percent intro apr (I just got a "pre approval" advert from my bank for an 18 month, the first of its kind for me in a while, so I'm gathering it's become a thing if it wasn't a while back). then I need to improve the score because I do want to do some borrowing.

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I know but it's debt I can handle an the borrowing is not for consumption purposes

kk

this year i had the financial equivalent of an out of body experience. I do intend to throw out credit cards when this is said and done

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Potentially relevant: https://frumfinance.slack.com/archives/C04FDU01UGY/p1704157333145489?thread_ts=1704157333.145489&cid=C04FDU01UGY Maybe this org has better ideas, but 0% apr balance transfers all have fees of at least 3-5% (to my knowledge). This method takes a little extra effort, but can often yield a net gain instead of a fee. The season for this is coming up

ok wow did not know about the 3 - 5%. strangely enough (lots of strange good things happening nowdays) I just got a windfall and will likely be able to simply pay the balance without a refinance. @mysterious-tomato-10057 they did accept my application and requested me to fill out an proper intake form after which I pay them 300$ for the service. Not a red flag but also not free and given the above I'm going to pass on them. now what I need to figure out somehow is how to maximize my credit score.

oh i didn't realize they charge money, sorry about that!