Open a savings account at a credit union, at the same time get a loan for the same amount secured by your new savings account. No credit check on secured loans (credit checks hurt your score). Pay it back, stretching it over at least 6 months (sooner than 6 months won't help your score). The hold on your account will be released as you pay it back. Its just juggling money around, doesn't cost anything but a small amount of interest, and you may get some other benifits, like free checking. At the same time, nibble away at those credit card balances and keep your eyes open for a low mileage bike for sale at about the blue book loan value.
