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No. of Recommendations: 1
What is your credit score? Have you checked your credit report.

You had problems and are now current. There maybe some bad marks on your credit report. It just is because of the past but it is best to know if you are in a position to obtain a new account from another company and transfer the debt.

Do you belong to a credit union? They can be a good place to obtain a debt consolidation loan. The warning is that many who "clear" credit card debt by moving it run up the credit cards again. It sounds like the debt issue was crisis situation and not a longer spending issue (at least not yours, the personal life issue could be an ex-spouse who did have a spending issue.)
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