Unsecured personal loans will always be more difficult and more expensive to get. Once you have established a good FICO score, things will be a bit easier. Watching for credit card offers with higher limits and no annual fees gives you an opportunity to transfer several low balance cards which consolidates the debt, and shows you paying off your other accounts. Cut up the old cards, but do not close the accounts. This will improve your scores and allow you to focus on eliminating the one payment. Once the debt is gone, keep just one card for use and pay it off monthly.

Thank you for the explanation and the tips. It never even dawned on me he was referring to an unsecured loan.