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Start aggressively paying down smaller debts now. This action boosted my score significantly. I could likely secure a decent loan today, but I choose to continue paying. Expect this process to take about two years for scores to fully recover.

I have around $30,000 in credit card debt spread across 7 cards. The interest rates are extremely high. My total minimum monthly payments are $1,500, but this is not reducing the principal. Two credit card companies suggested I contact debt management companies. I spoke with two of these...