Okay I have a credit score of 600 I have about 13k in credit card debt a broken lease just a month for $928 about 3 years ago and one 30 day late on mortgage in July. My cards are at 90 percent utilization I was wondering would it be wise to attempt a 13k loan at one main use it to pay off all the cards leaving about 10 percent utilization hopeful luck would boost my credit score to 660 then apply for prosper loan to get out of the onemain loan?
