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And, Credit.com’s free credit report summary can help you understand what’s inside your credit report. There are several safe and smart ways to consolidate credit card debt, so you’ll want to research them before deciding what’s best for you.

Some strategies will be more affordable than others, and your credit card consolidation choices may be limited by your credit standing.

You may be able to consolidate your debt with a personal loan from your bank or credit union.

But, before applying, be sure to ask about the lender’s credit requirements.

For consumers with good credit, there are several credit card balance transfer, and low-interest rate available.

You may even qualify for a card with a 0% rate for 12 or 18 months.

The best way to consolidate credit card debt — and whether consolidation will work for you at all — depends on your situation, so you might want to consult a non-profit credit counselor about your best options.

If you’re making little to no progress repaying or transferring balances or consider yourself to have a severe debt problem, then you may want to reach out to a reputable credit counseling agency or debt consolidation company.

Then you’ll only have one monthly payment: the loan, the credit card, or the debt management plan.

Not only does that simplify your debt payments, but it can also help you save money by making you pay only one interest rate, rather than several.

And you can verify if a lender is registered to do business in your state by contacting your state Attorney General’s office or your state’s Department of Banking or Financial Regulation.

Beware of any lender that promises to offer you a loan regardless of your credit.