Pick the thing causing you the most stress right now:
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Too Much Debt, Not Enough Income and Trying to Avoid Bankruptcy? This is hands-down the best program to lower your bills stress free. Lower My Bills Now.
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Remove derogatory credit reports that are hurting your score. Here's a Do-It-Yourself program that really works. Fix Your Credit Here.
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The #1 factor that affects your score, limits and rates is your balance used compared to your available limit. 30% utilization is the best, but try to get under 50% utilization on each account by transferring higher balances to 0% Balance Transfer Programs.
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Stop using cards with bad rates. Soon as you can, close the bad ones and replace with better cards that offer lower rates.
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Store-brand cards tend to lower your score. Whenever possible use one of the Top-5 major credit cards you should carry.
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Read Financial Health Daily for continued advice and tips.