I think I'm going to play the CC companies off of each other first to get their rates down since I'm going to get those balances down and wait for my score to improve once the balances are reported. Then I'll go for the installment loan, that way it doesn't cost me too much since I'll probably hold this loan for a bit to get some history on it.

I finally have long term plans for handling my credit. I see myself gaining control over my situation and now I don't have to take what they offer me. I've got some room to move around. I'm hoping to get my credit above 720 before the real estate market comes back, if it comes back.