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Would it be to my advantage to do consolidation even though I will be paying more each month than I plan doing it my way even though it would reduce the years to pay off the remaining cards. Im still not sure if the company is trust worthy because my research does not come up with them search or the BBB.

This question is in regards to the choice between making a higher payment using a debt company than you would on your own with the tradeoff of having your debt paid down sooner using the debt company than if you did it on your own. You also mentioned that your credit score seems to be ok and you don’t sound like you have problems paying what you owe. Nor do you sound like you lack the discipline to pay down the debt yourself through careful budgeting.

The choice is yours but I believe if you can pay off what you owe without assistance then that’s preferable….my 2 cents.