Unfortunately, it doesn't take long to build up a lot of debt. The minute you learn that your credit is in good standing and that you can get financed for most things that you apply for, you face the risk of getting in over your head. Luckily, there are debt consolidation services that can help you clean up the mess that is so easily made. Learn from my personal debt consolidation experience and from my mistakes so that you can clean up your credit report without losing many of the things that you have purchased. You can get help and knowing where to start is invaluable information.