Why Debt Consolidation
is not the best option ?

	What does Debt Consolidation Do?	What does Credit Repair Do?
Definition	A strategy for simplifying payments and reducing interest by combining multiple debts	A plan to rebuild credit by disputing credit report errors and verifying information with creditors
Cost	Free, though you may need a certain credit score to qualify for a debt consolidation loan	Free to do on your own, and anywhere from $10 to $250 per month to work with a professional company
Advantages	Generally best for people with decent credit scores looking to simplify debt payments that are already under control	Helpful for anyone with a lower credit score, difficulties managing credit or an inaccurate credit report
How does it affect credit?	May temporarily reduce credit score due to hard inquiry, but can improve score over time	Not guaranteed to improve score, but often has a positive effect over time