Getting a debt consolidation loan is a fairly easy process, but you should start by assessing your eligibility.

A perfect FICO credit score is 850, but experts tell CNBC Select you don't need to hit that target to qualify for the best credit cards, loans or interest rates. "If you're at 760, or 780 ...

Terms may apply to offers listed on this page. Nobody needs a perfect credit score. In fact, there's no real benefit to having a FICO® Score above 760 or so (other than bragging rights).