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Get Rid of Debt, Get a Debt Consolidation Loan! You want to get a fresh start and organize your monthly payments so you can easily afford them and do not have to worry about making ends meet? Killing Debt With A Debt: Consolidation Loan! When you get up one morning and go through your mail with nothing but unpaid bills, some of them past due date and a summons from the credit card guys to hand in your card, you start getting the shakes. What now? Saying things like “I knew this was going to happen” or “I told you” are of no use. Action must be taken right away. Consolidation Loans To Improve Bad Credit And Consolidate Debt Though a consolidation loan is not necessarily meant for improving bad credit, truth is that by reducing your debt exposure and thanks to the report of timely payments you can raise your credit score and improve your credit history in a couple of months.