"Start by prioritizing," says Liz Pulliam Weston, author of Your Credit Score: How to Fix, Protect and Improve the 3-Digit Number That Shapes Your Financial Future and a personal finance columnist for MSN Money. "Devote any spare cash you have to paying off your [high cost] credit-card balances. Don't worry yet about other debt, like car loans or student loans — that type of debt is cheap, so make those payments as minimal as possible to focus on the credit cards."

If you can barely make the minimum payments or are borrowing from one credit card to pay off another, speak with a nonprofit credit-counseling agency

To find a reputable one, visit the National Foundation for Credit Counseling at nfcc.org

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