You can find almost anything on the internet these days. The trouble isn't finding what you're looking for, it's finding a legitimate form of what you're looking for. No one polices the internet, which makes it the perfect place for scam artists to deceive the unsuspecting surfer. Online debt consolidation services are no different. While debt consolidation services are generally not the best method of clearing a poor credit score, doing it anonymously over the web makes it even worse. With so much opportunity for abuse in the debt counseling business these days, it is vital to investigate the service you seek to employ. Legitimate services will charge small fees, make those fees clear from the beginning, and not promise more than they can provide. The truth is, unless you are several months behind in your payments to creditors, most services will be unable to negotiate a lower interest rate without extending your loan anyway. And if your credit is in that much trouble, you may need to consult a lawyer and consider bankruptcy or some other, more drastic, option.