I have a bunch of credit card debt and am looking to consolidate it. I don’t use my credit cards anymore and i have a perfect payment history on all my accounts on my credit report. Never one late payment on anything. I am looking for some way to consolidate the credit cards to one loan with a reasonable interest rate since some of my cards are very high interest( over 21% for one of them). The problem is being in a lot of debt i dont get enough credit when i apply anywhere to transfer the balances. I have some equity in my home but not nearly enough to tap into it or i could risk being “upside down in it” Does anyone have any suggestions how someone with a perfect payment history but hight debt to available credit ratio can consolidate?
It is nice for people to try to help but i dont even know if the person who replied read what i said. I dont need my credit repaired i have a perfect credit history just lots of debt.

Josphine - paying credit card debt

UPDATED : Debt Consolidation Loans - What You Need To Know.