I know someone who just consolidated all there credit and there score droped 200 points from like 700 something to 500 something, and they r pretty upset after they saw the score. What can i tell them to do? I don't really know any advice to give them for this but i do know that they didn't realize it would be this significant. They have never missed a payment and always had good scores.  R they pretty much starter now all over again?