hey guys how's it going not very good with this whole credit monitoring thing don't really know what I'm doing to get my score back up. All I know is on my credit report it says that I have a few personal loans open that need some attention. Some are a little high and a couple of them are a little low. The accounts on my credit report in question today already been sent to credit collections. The question I have is some of these accounts have the same credit collections agency. So I want to know would it be smart or even possible 2 consolidate some of them personal loans into one account for that particular collection agency instead of having multiple accounts open.