where can i get small debt consolidation, my credit is really bad lower than 520… so i need help!!!?

With that low of a score you will not be able to get a loan…. And if you did the interest rate would be astronomical. Less than 5,000 in debt is not that bad. I would concentrate on 1 bill at a time. Pay the minimum on the rest. Many times you can call and set up payment arrangements with creditors. They will even let you change the due dates, that way everything is not due at the same time. To build your credit you should have credit that is revolving (credit card) Make sure you have a small limit such as $200.00 or less then pay it off every month. A big part of your score is based on revolving credit. It shows that you are a responsible payer. The worst thing on your credit is late payments. You should also know that when you use a debit consoldation company it shows up on your credit report. Any deliquencies can stay on your credit for up to 10 years. If you belong to a local bank/credit union many times they have someone that will sit down with you a go over your credit report, You need to be certain that everything reporting on your credit is accurate. Also many bank officials go to schools throughout the year to learn how to help people out of financial difficulties use your resources. Your debit is really low compared to most. A small fact that seems to work for me. The more I worry about money the less I seem to have. If you get it situated to were you are not worrying day in and day out, you will find you have more.