I messed up have too many balances and want to become debt-free as soon as possible.
I have multiple credit cards
WAMU Visa owe 4,082.41 limit is 7,500 apr 7.99%
WAMU ESPN owe 1,549.95 limit 2,000 apr 0% until 12/08 so 1/09 apr is 15.99%
HSBC MC owe 1,291.86 limit 2,850 apr 0% (lucky me is a system error HSBC can't tell me until when this will continue)
Chase owe 706.90 limit is 1,000 apr 0% ends 10/08 so this month 11/08 APR is 10.49%
Home Depot store card owe 324.88 limit 500 apr 0% No pymt until 1/09 or default APR 0f 21.00%
Home depot home improvement loan- 440.20 apr 11.99%
How will you go about paying down this debt? Do you think a Personal Loan will make sense to pay off balances and make 1 monthly payment?
FYI I have a Chapter 7 discharged 6/05 Credit scores in 7/08 were TU-702; Eq-666; EX-687.
Want to pay down some debt before I pull my scores again don't think I will see much of a difference. I have no late pymts on my reports.