Get a credit card with 0% interest introduction period. Transfer all your debt to it. Pay down as much as possible till the end of the intro period. Then do it again with another card. Continue this till the debt is eliminated. You may have to pay a one time transfer fee but 3% one time is much better than what’s going on now and you will start to make real progress. It worked for me and my credit score is around 800 and I eleininated all my debt.
