When you need loans with bad credit standing in your way, the last thing you want is to have to get a credit hit for applying for them. This can happen when a lender does a hard inquiry rather than a soft inquiry.
Hard inquiries will bring your overall credit score down by a point or two. Soft inquiries will not. If possible, you should ask any lender you apply for a loan with if they will be doing a hard or soft inquiry on your credit.
You can also find loans with bad credit from lenders that will do no credit check at all. If you are worried about any type of hit to your credit, you will want to search online for lenders who do no credit checks. However, the trade-off might be in the form of paying higher interest rates or paying fees for carrying a line of credit.
Whichever type of loan you choose, you can use the money to pay for any bills or debts you have. If you have several, it might make financial sense to lump them together in one convenient bill.
One thing to remember is that the lenders that do not check your credit will also usually not report your payments to credit bureaus. This means that when you make timely payments, this does not get reflected and will not help improve your credit.
If you are looking to improve your credit, your best choice might be to take the loans offered by lenders that do check your credit. You might get one or two points off your score, but when you start paying your new loan the score will eventually rise. You must be sure to make your payments on time, however, in order for this to happen.