A Solution

Well, after my frustration yesterday I had an appointment with a loan officer at the bank. We looked at my situation and what my financial goals were and they came up with something for me! I'm getting a personal loan that will allow me to pay off my CC debt completely. It's actually more than I need, so the extra amount I am paying back on the loan immediately. There are no fees and no pre-payment penalties. I was also awarded a Credit Card that will help me start rebuilding my CC history. I plan on using it for about $30-50 a month worth of gas/food and then paying it off in full monthly. That way I can start to re-establish a solid re-payment history. Based on my credit report 'what if' scenarios, paying of the CCs and opening these new accounts should increase my score by 25-30 points!!! :)