What consolidation options are there when u have bad credit?

A company like BHR & Associates can negotiate your debt down so you have much less to pay. If you do it all with a refinance of a home, you can get your debts really low because you'll be getting a lump sum to pay everything off.

Chowong, you haven????????t mentioned what type of debts you owe. However, converting unsecured debts into secured might not be a good idea. You can settle your debts by your own or take help from some professionals.

Also, it is easier to work with consolidation/settlement companies in your locality so that you can have a face to face talk whenever confusions arise.

You can find a company from your state here:

http://www.debtconsolidationcare.com/ranking-chart/

Also check the reputation of the company with BBB, Consumer Protection Office of your State before you hand over your account to them. All the best :D

Thanks for your advice

What can I do legally to fix a low credit score?

There's a lot of advice in this page. Check out

http://www.debtconsolidationcare.com/mystory/about22123.html