looking to purchase home very soon, want to consolidate bills by taking a loan out?

if i take a consolidation loan out, what will this do to my credit score, and how will it look to lenders. etc. purchasing home within 3 months and want to have my finances simplified

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any bill consolidation loan company?

actual lenders for bad credit, with a fixed address, working phone, track record. Not a credit counselor, or someone that will negoiate the bills, someone who actually makes bill consolidation loans, and will not ask for an upfront fee violating the telemarketers sales rule?

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