Bad credit implies risky business, as far as, lenders are concerned. A borrower having a credit score that is anything under 630, could expect to get a loan with a dramatically increased interest rate provided he gets a loan approval. We understand that heightened debt levels could culminate in faltering credit scores. This may also, imply that the more badly a borrower requires debt consolidation; it gets really more difficult to get loan approval.  As per https://www.forbes.com, Americans