Credit score is very important to evaluate the possibility of your ability to pay debt that is used by lenders. If you are a good rating means allowing access loans easier and cheaper prices. If the rating scale of your bad credit rating will be more expensive and more difficult even to give your loan application rejected.
Thus it is important to improve your rating score. One way is to consolidate your debts.
Also affect student loans to get credit. Loan repayment can be positive or negative impact depending on how you pay off the debt. If you pay on time you have a good credit history.
Consolidation loans are generally people who have problems with debt. With consolidation loans clear all debts like personal loans, credit cards, including student loans into one new debt and only has the one level of debt but at a lower interest rate and longer time to repay.
Creditors will give a report to the credit bureaus and will affect your score.
You should also determine whether the credit bureau reporting correctly. If reporting is not correct you ask creditors to fix it.
The most important thing for you is to pay the loan on time, so you get a good payment history, and to facilitate access to loans more quickly and cheaply.