hi this is Paige over at Silver Oak loans I'm calling because based on your credit profile it looks like you've been pre-approved for a debt consolidation loan this type of loan can be used to pay off credit cards personal loans medical bills collection accounts or any other outstanding balances you may have and roll everything into 1 single monthly payment at a lower interest rate I'd love to go over the details and your options with you give us a call back at █████ again that's █████ hope to hear from you soon