Verification and obtain a copy of your credit report from all major credit bureaus could be helpful, not just in determining the accuracy and correctness of your credit record, but could go a long way in identifying the actual issues which have contributed to your bad credit standing. This could be critical prior to try to apply for a low rate debt consolidation.
Try to consolidate all your unsecured debts. You can even apply for a low interest rate debt loan consolidation. It is always better to convert all your multiple credit dues into one single credit and concentrate on repaying it on time to become debt free over a stipulated timeframe. If you will pay a regular your monthly installments, you can certainly improve your credit scores.
Also, you need to stay away from unnecessary spending or even embark upon any other action that might adversely affect your credit score further. To lower your monthly payments, it could be critical for you to shop around and choose the right remedy for improving your credit reputation.