I have pretty good credit (715 middle FICO score) but I have a lot of debt. I mean like $100,000 in credit card debt. I know, I know, what was I thinking. It's a combinations of stupidity and despiration. I was young and stupid and put college on credit cards and then later a divorce and just life in general got me here. Having said that, I have never made a late payment on anything no matter how

You really need to pay those down. Alterativley you could go to your bank and get a personal loan for 500 bucks, you may have to secure this with a bank cd. and pay it off. You can do this with three different banks. Use that 500 to get another loan at another bank. If you have three personal loans at the banks you could get a boost. However make sure they will report them to the credit agencies. Also you may want to get a credit card with a 0% balance transfer and transfer your balances. read the article at creditcardwarehouseonline.com about balance transfers before you do transfer to make sure it would be worth it.