What are some great tips and tricks for re building your credit without paying every little thing?

You don't have to pay everything off at once. As long as you make sure to pay the minimum required payment each month on all your cards, and put as much as possible toward your highest interest card or loan, that will allow you to keep your credit score as high as possible given the level of debt you currently have, and will make sure your long term interest payments will be minimized. Once you pay off your highest rate loan or card, transfer the same amount you paid on that to the next highest.

This will help you pay that one off even faster. Continue this process, adding the newly freed-up money to the next highest interest debt each time you pay the highest interest one off. Within a few years you should be debt URL1 making sure not to put additional debt on, paying down existing debt, and not missing any payments, you'll keep your credit score as high as possible.

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