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I've heard consolidating loans could actually make your credit score worse.

Can anyone give me advise on how to make my score higher?
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DiamondPrincess89 · 31-35, F
As long as there is ongoing work/wages, pay off slowly. If you make $700 a week, pay up $400 (or $300, if you can). If you make $2000 a month, put in $800 (or what you believe is reasonable). If you make $5000 per month, pay off as best as you can. Make the extra effort not to use your credit card for the time being. The main important goal here is to get out of debt, and regain trustworthiness.