Unfortunately, as others have alluded, the predominant factor in your low FICO score is the late payments, and, unfortunately, there's nothing that can be done about them now.But you can help your score to rise over time by making absolutely sure you are never late on another payment.As for snowballing, any of us will help you establish a plan. Recopy your post including the balances and interst rates on all of your debt and we'll work it out.In order to come up with a formal plan, however, you'll also need to provide us how much $$ you have available each month for debt reduction.Show something like this:Discover Card - $4,255 balance @ 14.5%First USA Visa - $2,226 balance @ 12.0%Citibank Visa - $600 balance @ 19.8%SearsCard - $350 balance @ 21.0%Truck loan - $6,655 balance @ 7.5%, $385 monthly paymentTotal available for debt reduction each month = $800With this information, we can build a plan for you.Best of luckCPAScott
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