| how does consolidating your bills work?im trying to get all my bad debts cleared and try and bring my credit score up so im thinking about calling one of those bill consolidating places but is it worth it??Is consolidating your bills go agains your credit?Depends on how you plan to consolidate. Pay it off with home equity, transfer to one card, get a loan? If you pay off your cards...should I consolidate bills with a refinance of mortgage....?Look at the interest rates you have been quoted. The interest on a home, is tax deductable at the end of the year. What would put you into a...Does consolidating bills look bad on credit reports?The answer depends on several factors. Are you trying to obtain a loan which will roll all of your bills into one? Are you trying to go to...Can you consolidate bills without owning a home.?...to borrow a large enough amount of money, you can't really consolidate your bills . 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