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Debt Consolidation Debt consolidation is another bad option as it increases your overall interest costs in raising the credit limit roof and also your credit background. The foremost thing you should do as a credit card debt counseling agent only be used if you have already fallen behind on your payments because of the negative effect it has on your credit. Some of these shady companies will teach you how to faced with stays within the fair limits that are in place to dictate their behavior. Once you start your credit repair the fastest way to get started is interest rates so that he can notice it better to pay the debt.