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Your credit history shows how you use credit in Canada.
Many people who apply for debt consolidation loans have not been using credit in their own name for very long.
This means that the payments have to be high enough to pay the loan off in 3 to 5 years.
You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.
Many people resort to using a credit card to pay off other debts at 20% interest.