Need To Improve Credit Score

Mar 222011
 

Hello Everybody,

 

Well my name is Lily and I am here because I need advice on impoving my Credit Score.

My parents are in DEBT and they are loosing our home the only hope we have is Refinancing, My father wants me to give it a try. I am the only one with a Decent Credit Score.

 

My Fico is 585.

 

The only problem is that i have credit card debt, i have never been late or missed any payments. the problem is that i have used more than my 30% on the cards.

I am carrying a balance on probably 10 cards.

 

Recently one of my dogs got sick and we couldnt affor the vet bill so i applied for several cards and i believe that had a negative impact on my credit.

 

can someone give me advice on how or what will help me  improve my credit.

 

Thank you very much.

 

BTW: My total debt is about: $7,000 (credit Cards) and i have an auto loan of ($19,000)

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