Here is my fondest wish, prayer, and challenge for anyone who reads this: let's set goals to be completely DEBT FREE within (pick the time frame that realistically will work for you): 5 to 10 years. This will mean you have to pay down things faster than you might want to. You might have to scrimp and save. You might have to forego things like vacation or that big new whatever it is.
But your life will be better. If you get out of debt, your life will be better.
Don't worry about your credit score. You'll be better off.
And, most importantly, you will have inoculated yourself against the influence of the banks. You may not be able to completely avoid all influence by the financial behemoths, they will still have influence in your community. But, if you have no debt, they don't have control over you.
Think about it. If you have no debt, then when interest rates go up, it won't matter to you. If there's another financial collapse and your income goes down, you can't be foreclosed on or repossessed or otherwise worked over.
And, your life will be simpler, cheaper, better.
Maybe this approach will help. Click here.
This is my wish for you. Make a plan. Follow though. It will take some time, but hang in there for as long as it takes, hang in there. Good luck!
You can do it.