Trying to wipe away my debt!!!!?

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You could also get a second job for a short period - it is quite tiring doing two jobs, but not as stressful as being in debt with no way of getting out. Finding jobs might be a bit difficult in a recession, but sometimes just knocking on doors and phoning people will get you somewhere.

Trying to wipe away my debt!!!!?

Everyone's advice seems good - I just have a note on the inquiries. Some companies (usually credit card companies) will look into credit reports so they can send unsolicited offers for a credit card. These do not count on yout FICO. However, if all these inquiries are at your request (i.e. you are filling out lots of credit applications), then it does count against you.

Trying to wipe away my debt!!!!?

Your only choice is to try and secure a loan to consolidate all your bills into a lower monthly payment.

This however will not raise your score as the reporting times are long, even for debts payed off. If those inquiries are "hard hits" then your score will go down.

Here is a breakdown on CCR's time limits

The credit bureaus keep your personal credit history for periods between 7 and 10 years:

Unpaid Tax Lien - Indefinitely

Chapter 7 Bankruptcies - 10 years from date filed.

Public Records - 7 years from the date of payment;

Closed or Inactive Accounts - 10 years from the date of last activity;

Derogatory Accounts - 7 years from the date of original delinquency;

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Trying to wipe away my debt!!!!?

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