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I pretty much agree with Mr Draco. Opening another loan to pay existing debt will not increase your credit score, but will probably reduce it. Every time you apply for credit they normally run a "hard" credit check. Whether it's approved or not, your rating just got lowered by a few point for up to 2 years. If you attempt to buy a car your dealer could try 4-5 lenders and you get hit for a couple points by each. You can get a free credit report once a year from each of the 3 major credit agencies, Trans Union, Experian, and ??. Get a report from 1, wait just over 4 months, get a report from the 2nd one, wait 4 months again and get the report from the 3rd one. This way you can have a current report of your history. You can also sign up for Credit Karma for free and get your current scores weekly from them. This shows your score and what caused it to go up or down during that period and also provides some general suggestions on changes needed. .
Some state agencies will work with you to develop a plan to help get your cards paid off. Most provide this assistance without charge. A word of caution - there are a lot of scammers who will help but it will end up costing you a lot.
Some good advice I've ever heard was to : 1 - stop using most cards and only use 1 or 2 with the lowest rate and keep those paid off. 2 - use any additional money to pay towards the card with the highest interest. Once that card is paid off, cancel it and start additional payments to card with next highest interest. Continue until cards are paid off. There is no way to improve your credit by opening new credit and improving your rating by a large amount does not happen in a short period of time. . Best advice was already given to you. Get some help from a reputable agency or company that specializes in that area.
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