Target Visa: Bal- 3630, Limit 4500 22% APR
Old Navy Visa: Bal-3470, Limit 4000 22% APR
Your util on your target is 81% and the Old Navy is 87%. Those are quite high. But you knew that because you are asking for advice. 
As was stated you need to get those down ASAP not just to help with a FICO score but to save money in interest.
Other odd and end CC's totaling 1760 with APR between 17% and 22%.
Would you be willing to post the balances and credit limits on these cards? Just to get a better idea of your overall util.
Time can heal all wounds and a low FICO.
"Hello my name is Sandy and I'm a recovering crediholic".
@haulingthescoreup wrote:
Alternatively, find a loan from someone else. Try a local credit union.
That's a terrible loan offer. I hope you can do better than that elsewhere.
Just as a general observation, loans to pay off CC's are great IF you have the self-discipline to stop using the cards. You can keep them alive by using each card once every month or two to buy a tank of gas or a bag of groceries --something that you would have to do anyway, using cash if necessary. The moment that the charge shows up online, pay if off, then and there. No more CC debt!
Loans to pay off CC debt are great, in that they are generally at a lower APR, and for FICO scoring, they move the debt over from revolving to installment. But if you are not ruthlessly honest with yourself, and if you allow yourself to keep using your cards and incurring additional debt, you will be faced with the prospect of making the monthly installment payment plus the new charges on your CC's.
So handle with care. If you got in trouble because of self-indulgence or lack of self-discipline, think long and hard before doing an installment consolidation loan. If your troubles arose from a one-time event, such as medical expenses not covered by insurance, or divorce or unemployment, that's different. Nevertheless, handle with care.
Hope you don't mind the tough love. I'm not scolding; I just feel that people need to regard this option with care! Good luck.
But if you are not ruthlessly honest with yourself, and if you allow yourself to keep using your cards and incurring additional debt, you will be faced with the prospect of making the monthly installment payment plus the new charges on your CC's.
Have you been spying on me?????? How did you know I've done that? 
lol, it's human nature. We're all about denial.
I have successfully used BT's and a HELOC to pay off CC debt, incurred in my stupid days. But that was after I got here, and learned stuff, and got smart.
Back in my stuck-on-stupid days, I would have created a disaster of unimaginable proportions.
I have successfully used BT's and a HELOC to pay off CC debt, incurred in my stupid days. But that was after I got here, and learned stuff, and got smart.
Back in my stuck-on-stupid days, I would have created a disaster of unimaginable proportions.