Bill Consolidation

	Credit.com - Debt Counseling Consumer oriented debt counseling service; Offers great deals for consolidating debt; Small debt amounts accepted; No credit checks.
	Credit.com - Bill Consolidation The cheapest rates around for people with moderately bad credit; Able to deal with people of any credit history; Consumer oriented lender willing to share and educate their clients.
	HFC (Member of HSBC Group) Recommended for people who have moderately poor credit who still want to deal with a bank; Moderate rates because of extra service and recommendation offered.

Bill consolidation is quite similar to debt consolidation however both should not be mistaken for each other. Bill consolidation deals with grouping all your debt (e.g. the many credit cards that you have), having a good look at the credit options that you have then form the lowest interest loan to cover the previous debts and slowly pay-off that loan, which will definitely have a lower interest rate.

Bill consolidation on the other hand deals with getting the bills before even it becomes long-term debt. The whole idea is that all your bills (e.g. mobile, cable, etc) will be grouped together into a single bill which you can settle at the end of the month. The very first benefit is that your monthly bills are all tallied up and presented to you straight up so you can see how much damage it is causing you every month.

Additionally, the single loan taken out can have quite competitive rates and is probably much better than credit card rates which in the long-run will save your money.

Having all your bills consolidated into one account is also very beneficial especially if you have a bad credit report. Firstly, if done properly it will prevent your credit report from getting any worst by reducing the crippling interest rates. Secondly it will also show in the transaction history of the report that you are doing the right thing in consolidating debts into a single account.

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