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Debt consolidation

Wanting to consolidate but have mark on credit report

Has anyone found a good and reasonable place that will give someone a credit line for consolidation who has one bad mark on their credit report? I just came off a bankruptcy and thought I’d be able to get such a consolidation loan so I could just pay one place and perhaps get out of debt faster.

But unfortunately my niece didn’t pay a bill that my name was unfortunately on, and she didn’t tell me about this so it ended up in Collections and I just happened to stumble on it while doing a credit check on myself.

The debt was settled but apparently this little gem stays on my report 7 years. All my bills are paid on time; just this thing is getting in the way of me trying to get a low-interest card or loan. Just wondered if anyone has found a place that may take this into consideration and give me a chance.

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