A DFW newbie!

fozmcfc

Been there, done that twice, with keeping cards open after consolidating, it really is a no no.

I often say to people if they have a card/overdraft and even a loan with a bank, then approach the bank for a loan and tell them that you agree to the card/overdraft/loan being paid off and closed.

Of course debt elsewhere can mean you still get refused, but I do believe it gives people a better chance.

Barbeduk

Hope you're going to try some of the debt free challenges on here, they really keep you motivated to shift it as quickly as you can. Good luck!