When you talk about cleaning your credit thats one thing. The goal here is keeping it clean, long term history, low hard inquiries.
Keep your credit card under 30%. Etc. Etc. Etc.
If you really have a issue when you can not make a full payment to any of your bills.
Please lets us know so we can make sure you
will not be effected on your credit. 
       Make a payment and let us get started.