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Debt consolidations were designed to help the person who is in debt and can not afford to make their monthly payments due to sky high interest rates and the many fees that are tacked on because of not being able to make the payment as well as going over the limit on credit cards. It is important to understand these kinds of programs can have a negative impact on your credit rating. It can take a while for creditors to accept the payment plan and the program. If you do not make your monthly payment to the creditor they can report the credit companies that you are behind on your payments, thus making a negative mark on your credit score.
There are times when a debt management programs can help your credit rating. For example, if your credit is as bad as it can get and you start a debt management program and follow it faithfully making on time payments, you can improve your credit rating.]