<prompt> Human: So i got my credit up. Lostt my job and had to use my credit cards to keep a float for a while. Get another job and try to get a loan to turn my debt into a once a month payment. Asked why i need a loan and i said debt consolidation. They come back and say i cant get a loan because theres too much debt. FML. Whats the point? Worse is it hit my credit to try and get a loan. Mother F  <response>: Is it not good credit that kept you afloat for a while? 