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Many banks and other lenders are prepared to assist those who have credit problems, helping them consolidate their bills with home loans. At one time, it was virtually impossible to get a home loan if you had debt issues. Today, many sources have become available; making it easier than ever, since the lenders feel that fewer risks are involved if the person owns a home. Even if you do not own a home, lenders will consider your situation carefully to determine if you qualify for a home loan or debt consolidation loan. Having a good credit score rating means everything in today's world. It is something that you should have in order to make your life as comfortable as possible. This is why many people work hard in order to maintain a good credit rating score by paying their bill on time and generally being responsible with their money. If you have a low credit score it is time to take action and decide once and for all to responsibility for you finances and begin to rebuild your credit.