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If Debt Consolidation have a lot of debts or liabilities in your name, those don't go away when you pass away. VS Debt Counseling Specialists will still be responsible, which is why you need to invest in life insurance to protect them. A life insurance policy will pay out enough money for them to cover your expenses at the time of your death.



Remember that even asking for credit has a negative impact on your FICO score. One or two inquiries are not that big of a deal, but keep in mind that these inquiries stay on your credit for 2 years and they will add up. Don't apply for cards or loans just to see if you'd get approved.



Open and maintain around 2 to 4 different credit cards. It's tempting to use less, but it will take a lot longer to rebuild your credit with onl