I am searching for a debt consolidation loan but have a score of 505. is there any help besides debt settle.?

I am not meddlesome in debt allotment companies. Is there any resource out there for me ?
Perhaps we should be the diminutive clearer per what it is we need. we am not meddlesome in debt allotment companies or imitation lenders whose commonly equates to of hit is an email address. we am wakeful which with my low measure we cannott validate for the loan so we do not apprize to embrace answers from grouping who have been soliciting "victims" for their imitation loan scams.