Credit Union Consolidation

The other day, I went to my first Debtors Anonymous meeting. I know, I should remain anonymous, but this stuff is just too helpful not to share! I am only outing myself here. So, I definitely realized, after five minutes that I certainly do need to be in this twelve step program for self improvement, but I also realized how lucky I was that I have fairly little debt comparatively and also that I am smart enough to know just how I will go about getting out from under debt. It turns out; I just needed the little reality push of knowing I need help! In that very first meeting, it finally sunk in that I must get out from under some of these high interest rates. I got these cards after my car dealership had made my credit report look screwy as they made way too many inquiries finding me a good rate (more on this in another post!). Later, I was rejected by better cards with lower rates when I needed money fast for a creative project- the making of the third album of my songs....