consolodation

If you are talking about debt consolidation, this website can put you in touch with a good firm to help you. If you are looking to secure a loan, not reall sure

Nathan - all your credit card debt can be consolidated in the debt consolidation program and thus you will be able to rebuild your credit.

Since all the multiple accounts will combine into one loan amount, there won't be a risk of missing any payment in the current billing cycle.

I will not suggest going for any kind of loan to erase your credit card debts. These loans will require security and if you fail to make any payments, you might be at the risk of losing your property. Also, the interest in these kinds of loans will have to be paid twice unlike the debt consolidation programs which offer one time lower rate of interest.