If you are unable to…
…refinance due to any number of reasons, then the more traditional way of getting out debt (and improving your credit) can be employed. Make a list off all your debts with the listed minimum payment of each. Now list beside that what payment you are actually making on each debt. Take all the little amounts that you are paying extra and combine it onto the debt that has the highest interest rate. This will pay down that one fastest saving you the interest you would otherwise have been paying. Once this debt is paid off, then use the same method on the next highest interest rate debt - repeat. This will pay off your credit cards and other debts quickly allowing you to increase your credit score and payoff your debt!
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