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But of course, before you can decide if it’s the right choice you have to answer some important questions.One of the most important is, “does debt consolidation hurt your credit score?Also included in your report is a history of the payments you’ve made on time, and those you have paid late (or not paid).The 3 major credit bureaus (Equifax, Experian, and Trans Union) compile this information and make it available, along with your credit score, to lenders who want to find out how creditworthy you are.If you’re one of the millions of Americans with overwhelming credit card debt, you may have looked into a credit card consolidation loan to tackle your debt.And while a consolidation loan for credit cards can be a good option when you have a lot of bills to pay off, there are plenty of alternatives to consider. Review your current financial picture and goals with a financial advisor or specialist certified credit counselor to determine the best plan for your needs.

If you’re not familiar with the process, here’s a very brief explanation: Your credit report contains information about all the credit accounts you’ve ever had, including mortgages, auto loans, credit cards, student loans, etc.The lender will pay off your credit card bills, and in exchange you’ll enter into a loan agreement with the lender to pay back the money.For a credit card consolidation loan to be worth your while, you’ll want a plan that offers a lower interest rate and/or lower monthly payments than you’re currently paying to your creditors."The market has changed and consumers need to be aware of that," says Brad Stroh, managing partner of Bills.com, a website that helps consumers manage and pay their monthly bills."It's harder than ever to get a refinance loan or a HELOC loan due to the credit crunch." Stroh's advice: "Think strategically.

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Van Winkle, pg 66-83May-1998 Cover: examples of 3D graphics images that can be rendered with HP workstations using the VISUALIZE fx graphics hardware. Hoffman, pg 9-18 The Direct Model Toolkit: Meeting the 3D Graphics Needs of Technical Applications..increasing use of 3D modeling for highly complex mechanical designs has led to a demand for systems that can provide smooth interactivity with 3D models containing millions or even billions of polygons, by Brian E. Gaskins, pg 19-27 An Overview of the VISUALIZE fx Graphics Accelerator Hardware...three graphics accelerator products with different levels of performance are based on varying combinations of five custom integrated circuits. Gannett, pg 28-34 HP Kayak: A PC Workstation with Advanced Graphics Performance...world-leading 3D graphics performance, normally only found in a UNIX workstation, is provided in a PC workstation platform running the Windows NT operating system.

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