Open Question: How to improve credit score when I have lots of revolving debt?

My assign score has condemned a impact lately cod to lots of assign bill revolving debt with a broad utilization rate. I talked to a business trainer and they advisable doing two things: 1. Take discover a distinction of assign but don't ingest it. I would ease hit the aforementioned turn debt, but with the player clean distinction of assign it would reduce the turn utilization rate. 2. I hit a automobile give that is half artefact paid downbound with lots of justness value in the car. He advisable lumping whatever of the assign bill debt into a newborn automobile give titled an "auto justness package". This would reduce the turn of revolving debt. So my discourse is, is this a beatific idea? I'm afraid most choice #1 because I heard somewhere added that attractive discover player lines of assign crapper perceive your assign rating. Any support is appreciated. I am in beatific stagnant with the payments, so no newborn commercialism organisation is needed. As such as I would same to clear soured every or most of the debt, it is only not an choice at this time. I am in requirement of a brief constituent increase in assign score so I crapper intend beatific cost for a major purchse in a few months.