My credit score is 541 as of October last year. I have 4 credit cards that I haven't paid anything on in 2 years: Best Buy, Capital One, Kohl's and Sunoco. All together they add up to approx. $3200 which really doesn't sound all that bad. After 2 years I am now finally able to start paying off my debt, but I don't know what to do. Some people said pay off the entire balance in one payment, starting with the card I owe the lowest, and some people said that it's better if I make monthly payments on them. So what would be the right thing to do? And once all my cards are paid off, do I close the accounts or keep them open? My cards are already cut up, so I won't be using them ever again. My goal is to get my own house next summer, which would mean I would have to raise my score about 100 points...is this possible to do within a year?