All credit lenders base your interest rates, on how good your credit is, so, its really important to get your credit cleared up if you have bad credit. Watch out, there is plenty of debt consolidation places out there, that, are looking to turn a profit from you,. If you can not deal with the amount of debt, you can contact a nonprofit credit counseling organization, they can help you work out a debt consolidation plan and in most cases they will contact debt collectors for you and deal with stopping finance charges and reducing your monthly payments. First things first, you need to get a credit report to get to the root of the problem, there are many paid services and free ones. Fixing your credit will help your chances of getting a better deal when it comes to getting loans.

A Google search will put you on the right track, once you find out the problem you need to fix it, asap in most cases people will find its something simple like, a old subscription service or sometimes old credit cards or other bills, pay them off, starting with the ones with the highest interest rates.