Loans

Loans are the source of debt: if nobody lent you money, you wouldn’t be in debt. Without loans, however, our economy would crumble as not even the largest corporations operate only with the cash they have on hand. The trick is, of course, that the corporations are like any wise debtor—they never borrow money at a higher rate than they can afford. What this amounts to is that loans are not just the source of all debt, but the cornerstone of debt relief.

What you need to do is get a single loan that pays off your existing debts. Then you can pay off the loan and repair your credit score.