When Marcus first reached out, his credit score had dropped into the mid-600s after years of high balances. He wasn’t in freefall—he was still employed and paying his bills—but he was tired of watching his score suffer from high utilization.

We worked with him to consolidate $28,000 across five cards into a single personal loan. Overnight, his utilization dropped. Within six months, his score improved by nearly 60 points.

The consolidation didn’t just save Marcus money on interest. It gave him back credibility and confidence. He could apply for future credit without anxiety. He could refinance his car loan at a better rate.

Consolidation isn’t about “escaping debt.” It’s about rewriting your financial story. For Marcus, that story turned from anxious to optimistic in less than a year.