If you have $1500 cash, pay off the $160, make the minimum payment on the 3200 you owe, and put the rest on reducing your 1300 debt. This will increase your credit score, since the credit card companies will see your debt to available credit limit has increased (that means, your credit card limits are much more than your debt on those cards).

Then, pay off what’s left on the 1300 debt (presumably about $50). Then pay down your $3200 debt in large chunks. IMPORTANT: always make at least the minimum payment, and don’t be late making your payments!

After that, request an increase on all of your cards on the same day (actually, if it’s within a 14-day period, that’s fine, but all in one day is best). Then, put about $100 on each card an pay it off in 3 month’s time. Do that several times a year, and your credit score will increase. Also, about every 6 months, ask the CC companies for an increase in your credit limit. (If you have CapitalONE, that sucks–’cause they don’t give you increases when you request them–they do it on their own schedule.

If you are just working to get your score up, then leave a small balance <$5 on each card and let that ride for a bit. Your score will increase more than if you close the cards.