Looking for a way....

You have to improve your credit before getting the best deals from your lenders. They will keenly look into your payment history when applying for a loan. The best deals will be placed when they don't see a risk in giving you the credit. They want their money to go into safe place and get assured returns.

Take a consolidation program for restructuring your existing payment plans with the creditors. This will be a helpful move when you find the present interest rates pretty tough and expect to default. This gives a negative impact to individual credit.

Welcome agomez :D Have a look at the benefits of debt consolidation at http://www.debtconsolidationcare.com/ After you talk to a credit counselor, they will discuss this, as well as other option with you. Then you can decide if this will benefit you. Read others posts, it will help you to see there is a light at the end of the tunnel!...Karen