The first thing that you are going to want to do when you decide to consolidate your debt is to check your credit score and your credit report.
You can easily access your credit report for free once every year. This is enough to keep track of your credit status and other details. Before you apply for a debt consolidation loan, you need to investigate your credit report. If there are errors or negative points on it, you won’t be able to get approved for a loan and your rejection will harm future chances as well.
Once you know more about your credit report, you will know what you need to work on in order to improve your credit score.