Hello Stefini,

I commend you on your resolve to sell your car and apply those payments toward your debt. I don't think you should be posting your credit report in a public forum, even if your personal info is deleted. It sounds like with the addition of your car payment you can probably take advantage of a debt snowball strategy to minimize the amount and time to pay off your debt. If your only focus is paying down the debt as quickly as possible, then simply list all of your debts and the interest rates. I recommend that you pay the minimums on all of them but the one with the highest rate. Apply all extra money to the one with the highest rate and then move down from there. Just do a google search for Debt Snowball and you will be able to find many detailed explanations of exactly how to do it.

Of course without seeing your entire financial picture I cannot get into further detail at this time. You may have other debts that are not unsecured consumer debts that would also need to be factored into the equation. Also you may have older accounts in collections or behind in payments that need to be taken into consideration when looking at your situation with an eye on getting the biggest bang for your buck in terms of raising your fico.

If your number one goal is to raise your fico and not simply to get out of debt, then you will probably want to modify the snowball strategy and instead of working on one debt until it is paid off, then just pay it down to about 30% and move on to the next one.

Hope that gives you some initial help.