 TITLE: Bad Credit? Here’s What You Need to Know About Balance Transfers CONTENT: The Bottom Line\n---------------\nBad credit shouldn't keep you from making strides toward debt freedom. In fact, lowering your balances and consistently making payments toward debt could bolster your credit score. So instead, if you have a credit score you'd like to improve, you should feel even more motivated to get credit card debt under control.\nIf a traditional balance transfer isn't in the cards for you, stay open to other options. Seek out help from a professional—particularly a credit counselor—if you're unsure where to turn. With organization, motivation and a plan you follow through on, you can pay off debt with or without a balance transfer—and with bad credit or good. END