While applying for debt consolidation loan, or for that matter any loan, it is essential that a person pays attention on the CIBIL score as well because it is one of the most important aspect that decided the sanctioning of the loan. If the CIBIL score is less than 620, than the same falls under average or poor credit category. If a person holds a bad credit score, than it is not advisable to apply or go ahead for the debt consolidation loan because the same may result in even worsening your rating score in CIBIL. The applicant can check his or her CIBIL score online by simply visiting the website.