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As of July 2014, the average credit card interest rate is hovering around 15%.
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The debt consolidation loan appears as a new credit account, but accounts paid in full are always positive.
In repaying your new debt consolidation loan, it is important to make consistent, on time payments.
It is quite likely that the interest rate on your debt consolidation loan is lower than rates on your other debts.
This means that your total payout on your debt is less with a consolidation loan than if you had remained with many creditors.
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Some believe that debt consolidation is detrimental to your credit score because, in effect, you are admitting there is a problem.