While consolidating debt certainly has merits, it is not the right choice for every individual.
In addition to paying off your balance before the rate increases, you’ll want to avoid making further charges.
Then you can focus on repaying that personal loan, which requires just one monthly payment and, ideally, has a lower interest rate than what you were paying across multiple debts (it may not have a lower rate, but it’s in your best interest to find the lowest one you can).
The specifics of how debt consolidation works will vary by the type of debt you have and the method you choose.
Other options for borrowers with bad credit include secured or co-sign personal loans.
Some lenders say they have no minimum credit score requirements, but that does not mean they don’t check your credit report.