Ok guys, I have some debt but not alot(in my eyes atleast). I would say I have about $2500 in debt from a credit card, store card, cell phone bill, old checking account. I'm making a little more now and think I can pay of some of thses debts but was wondering if debt consildation actually help your credit score seeing the accounts have been delinquent for so long(a couple years). I have a cehcking account fraud on my credit report for about $6000 which I refuse to pay cause It wasnt my charge and the back dont want to take it off. All info would be appreciated..