There is a way to get on top of your repayments and credit that is by consolidating debt. There are credit companied that will help you in the consolidation of your debt, by offering you a loan to repay all of your debts in one go by means of consolidation and then paying off one loan. Your financial consultant will usually look out for a loan that has relatively small repayments so you can get on top of your debt with cash to live with. Consolidation of debt is a common way for people to sort out their finances and usually the easiest way too. Consolidation debt may not be for you if you have consolidated your debts a number of times in the past. Your consolidation debt includes the debt from your previous consolidation or is you want to move debt off your credit cards and store cards to start using them again.