There are many ways to lighten your debt load, and not all of them will have
a major negative effect on your credit.
Bankruptcy will have
a major negative effect on your credit scores for an extended period of time.
Not exact matches
If you are looking for a loan to make a
major purchase, your
credit score will come into play and you wouldn't want to do anything that has a
negative effect on it.
Many department store
credit cards will have a slightly more
negative effect on your
credit history than a card issued by a
major bank.