If you are trying to make your credt better then you may want to consider an unsecured loan for debt consolidation to help make your credit better.  This is a great program to do so and can really aid you greatly by allowing you to just make one easy payment per month rather than several.  This is a great plan to make your life much easier and allow you to rebuild your credit.  You can benefit greatly from this program as it can really make a difference in your life.