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im looking to improve credit and start fresh any ideas/advice?
alright so i have a not so great fico score of 622. 100% on time payments but not enough credit history, too high balance on credit cards, and apparently not a good enough mix and too many inquiries. i have about 8000 dollars in debt mixed between a student loan(3300), credit cards (1400) two loans (2000 both together) and about another 5-1000 in check advances i have been forced to bounce around due to family incidents and unexpected events. im struggling and i'm only 19 years old. im looking to consolidate everything into one payment, with decent interest rate. any advice?

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