It sounds like you are in a Catch-22 – you can’t pay down your debt without consolidating, and you can’t consolidate until you pay down your debt. That makes me think that you could be a good candidate for credit counseling. A credit counseling agency does not care about your credit scores. Your interest rates and payments will likely be reduced, and you will have a plan for paying back your debt in a reasonable period of time. We talked about that more in this article: Does Credit Counseling Work?

A report by FICO® showed that younger consumers can earn high credit scores with excellent credit behavior. 93% of consumers with credit scores between 750 and 799 who were under age 29 never had a late payment on their credit report. In contrast, 57% of the total population had at least one delinquency. This good credit group also used less of their available credit. They had an average revolving credit utilization ratio of 6%. The nation as a whole had a utilization ratio of 15%.39
The goal is to focus your financial attention on quickly paying down one debt as quickly as possible. Now, if your debt is accumulated in credit cards, as you make monthly payments, do not use those cards. The credit bureau will see your financial habits, and this will reflect in your credit report and ultimately your credit score. Now, calculating your credit utilization is not hard and is something that everyone can do. Take the time to figure out where you stand and what loans or credit lines you can begin minimizing to reach that sweet spot. This is one of the best ways for fast credit repair.

A major driver of increased scores is the decreased proportion of consumers with collection items on their credit report. A credit item that falls into collections will stay on a person’s credit report for seven years. People caught in the latter end of the real estate foreclosure crisis of 2006-2011 may still have a collections item on their report today.
It's not just that the new plastic can encourage you to spend. Having too many cards can hurt your credit score. Credit-lending institutions will look at the total amount of credit you have available to you. If you have 10 credit card accounts, and you have a $5,000 credit line in each account, then that will amount to a total of $50,000 in potential debt. Lenders will take a look at this potential debt load – as if you were to go out and max all your cards tomorrow – before considering how much they will lend you. They also worry about whether you will be able to meet your financial obligations.
We understand the problems you face every day by having bad credit and will help you clear every negative account on your report fast, and show you how to get large credit limits with 3 simple techniques. If you haven’t thought about credit repair at all, think about it now, because a bad score does not only affect your stance on the loans or debts you take, it can make you jobless, homeless, and devoid of every other service or asset you hold so dear to yourself.
During the briefing, filers will learn alternative options for resolving their debt that can help them avoid filing Chapter 13 bankruptcy. The counseling ranges in price, with online classes offered by some providers for $14.95 per household and one-on-one phone sessions for $50 per person. Lastly, some providers charge an extra fee for the completion certificate sent to the bankruptcy court.
Rates can vary depending on where you live: The rate that is advertised on LendKey is the lowest possible rate among all of its lenders, and some of these lenders are only available to residents of specific areas. So even if you have an excellent credit report, there is still a possibility that you will not receive the lowest rate, depending on geographic location.
Premier America is unique because it has the Student Mastercard® from Premier America CU that’s eligible for the intro 0% for 6 months on balance transfers, though credit limits on that card are $500 – $2,000. There is an 11.50% Variable APR after the intro period. There’s also a card for those with no credit history – the Premier First Rewards Privileges® from Premier America CU, with limits of $1,000 – $2,000 and a 19.00% Variable APR. If you’re looking for a bigger line, the Premier Privileges Rewards Mastercard® from Premier America CU is available with limits up to $50,000 and a 8.45% - 17.95% Variable APR.
We have a budget and unfortunately have nothing of value to sell. I have to have a reliable vehicle to go to work and to take the kids to school. Can’t stand the mall, thank goodness!!! We make our own coffee. We save for months to have pizza or a family outing. We are very modest so we only have needs, wants went away when we had my kids. I am looking for a part time job but I want to have one day off a week to spend with my kids and thats apparently a problem for some employers. I’m not giving up and I will win this I just needed to see if anyone had an idea I haven’t already looked into. Thank you!

If you are a candidate for Chapter 13 bankruptcy, you will need to complete mandatory pre-filing credit counseling with an approved credit counseling agency. The cost of this type of credit counseling session is typically $50 to $100. During this meeting, a credit counselor will go over your finances, including your debts and your income, to counsel you on your options.
Are you thinking that the best way to improve your credit score is through transferring balances multiple times? If you, this tactic will leave you in more debt and a lower credit score. There are numerous fees and rates that vary across companies, all of which are counterproductive. Your path to fast credit repair should include minimal, if any, balance transfers.
That is for you to decide. You do have to weigh the certainty that your credit score would take a hit (and some time to rebuild) against the advantage of a program that will allow you to make progress and pay off your debts. A bank loan is another option. You could check on the interest rate . . . but you should do this knowing you will not run up credit card balances again. Otherwise, you end up in an even worse situation than you are in now.
With our rapid reporting cycle-assignment process for new accounts, most new accounts receive the next available statement cycle date and are reported to the credit bureaus between 2 - 10 days after the complete application is approved and the total refundable deposit received.  Your Annual Fee will be billed and reported to the bureaus as a performing balance in the first complete statement billing cycle to speed the reporting of credit activity.
Because MidSouth Community is a federal credit union, you need to be a member to qualify for this card. Membership is limited to people who work, live, worship, or attend school in the following Middle Georgia counties: Bibb, Baldwin, Crawford, Hancock, Houston, Jones, Monroe, Peach, Pulaski, Putnam, Twiggs, Washington, and Wilkinson. If you qualify, you may be able to get a secured card with an APR as low as 10.90% Variable.
Following these 6 steps people with bad credit are sure to succeed. I would like to add while paying down your credit card debts one option that may help you get ahead is to take advantage of credit card transfers. Normally banks will let you transfer your balance (they’re more than happy to take it) for a small fee. One word of caution however, is that this doesn’t really fix the underlying issue, which as Sarah mentioned budgeting and keeping on top of your payments will.
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