does consolidation of credit debt appears or has a bad effect on credit history?

is there any way to consolidate credit card bills and past due debt without having any bad effect on credit history?

Public Comments

1. The past dues only affect your credit if the credit lender reported it to the credit bureaus.
2. if you had only revoving credit and you are geting a loan that will actualy increase your credit score
3. NO, it actually helps because it shows that you cleared your cc debt . You can read more here http://nextcreditera.com/index.php
4. I have articles on Free Your Debts, Ways to avoid bankruptcy. Get advice from Debt consolidation or Debt settlement. Will it affect my Credit Score / FICO Score? More Information on http://avoid-bankruptcy-get-debt-consolidati.blogspot.com
5. Hi, I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58%.It's legitimate.I came across this company on NBC News Special Edition.Check it out here: http://dwarfurl.com/41c73