I need to raise my credit score but all my cards are maxed out.
At the moment with my income I can only afford to do the minimum monthly payments in all my credit cards. Because of this my credit score has continued to go down drastically over the year and the biggest issue with that is that in the beginning of next year I will have to move out and that means apartment searching and people wanting to see my credit score.
Now, before you suggest not moving out. My boyfriend and I broke up and agreed to stay living together until the lease ends since neither of us can afford to move out at the moment. That means whatever extra money I make will go to save for the move in fees and such. The plan was to pay off my debt this year but ALAS I am stuck in this situation.
I’ve considered national debt relief or a personal loan but I don’t know which company would be the best.
Over all what I need is for my credit score to go up.
I’m so overwhelmed and really have no idea on what to do.
Advice?