Our credit score is something that determines pretty much everything that comes to pass in our lives. It will tell us if we can have a home, whether we will have transportation, sometimes even whether a job will be received. Yes, even some companies look at the credit score before they hire you as a means of seeing if you are a responsible person.
It is so important to maintain your credit score to the best of your ability, but how do you do that if your income isn't allowing for you to pay the amount of debt that you've accrued. You need to work hard to get the debt back down so the credit score can go back up.
HOW TO RAISE YOUR CREDIT SCORE
If you want to raise your credit score, consolidate your debt. A balance transfer of your credit card debt onto a 0% APR introductory rate credit card for a year will help your credit score as well as your utilisation score significantly. Take that year to dump money onto the balance and get it paid as quickly as possible before the rate jumps.
You can also get a personal loan to consolidate everything into one monthly fixed low interest payment. This will take all of the high interest debt off of your credit and, again, improve the score greatly. You'll also have a longer period of time to pay it off.
The thing that you don't want to do if you use either of these methods is continue to make debt after consolidating the high interest and paying it off. That will just make your credit score worse, and it will only magnify your debt situation. Just cut the credit cards up and imagine living in a debt-free world once you get that one payment taken care of.