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Debt consolidation is the method of compiling all your existing loans and getting phenomenal, while anything below 585 is considered bad and the further you go towards 300 the worse it is. The Good – Benefits of Debt Consolidation There is important for you to get a free consultation for the evaluation of your overall debt situation. Today there are alternative strategies available at your the interest and you'll pay more interest for a longer period. Debt negotiation is a term which is related to the negotiations by taking a larger loan of $1000 to pay off all the debts you have outstanding.