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I have a high amount of debt and have been thinking about debt consolidation. Can you explain how this works, and how it affects my FICO score?
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| 1 | Tom Barlow | 45 | 2 |
| 2 | Tracy Coenen | 29 | 7 |
| 3 | Geoff Williams | 28 | 0 |
| 4 | Josh Smith | 26 | 12 |
| 5 | Sarah Gilbert | 26 | 1 |
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| 7 | Zac Bissonnette | 22 | 0 |
| 8 | Jason Cochran | 18 | 2 |
| 9 | Beth Pinsker | 17 | 0 |
| 10 | Gary E. Sattler | 13 | 6 |
| 11 | Aaron Crowe | 11 | 0 |
| 12 | Barbara Bartlein | 10 | 0 |
| 13 | Meg Massie | 9 | 0 |
| 14 | Tom Kraeutler | 9 | 0 |
| 15 | Julie Tilsner | 9 | 0 |
| 16 | Lita Epstein | 8 | 13 |
| 17 | Vanessa Richardson | 8 | 0 |
| 18 | Marlene Alexander | 7 | 0 |
| 19 | Carol Vinzant | 6 | 0 |
| 20 | Ken and Daria Dolan | 5 | 0 |
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