Don’t be afraid of the idea of fixing your credit. If you can create a few letters, street address, stamp, and email them you can fix your credit.
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As opposed to paying only the lowest due on each bill, find out which of the credit cards charge the greatest rate of interest and do your very best to complete your settlement on this particular accounts as quick as possible. If possible, pay off the full balance so that you zero in the charges on this one particular account. This way, you can stop your debts coming from quickly building up as a result of high rate.
The redraw service will allow you to access any extra loan payments you get. There is a note with this, however: any primary reductions made in the course of any fixed charge period will not be accessible to be redrawn.