I would suggest that you take a personal loan from your primary bank and pay off your credit cards.
Generally personal loan carry reduced interest rate compared to credit card APR.
Once you get your util below 10% and pay off personal loan regularly your FICO score would increase in 6 month.
Then you should be approved for prime 0% apr cards and BT to your checking account and pay off the personal loan.
I would also suggest that take a personal loan with 2 year period so that you do not stretch yourself in paying the same.
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- In garden till Dec 2014