What to do about my truck?

I signed a lease three years ago, and it is due Feb 16 of this year.

The dealership told me that I have to pay off the remaining balance in order to keep the truck or talk to the financial company and see what they could do for me. I called the company and they told me that they could not finance me because of my credit score. So I’m going to the bank and see what they can do for me.

I currently have three credit cards and two gas cards, and after talking with my parents, they said the gas cards are what is bringing down my score. I’m not sure if that’s it, but I was wondering what other options there might be out there if the bank doesn’t go through.

AR Trust

Has anyone ever heard of or dealt with, AR Trust? I found them, and have given them $500 a month for four months, for help with unsecured credit card debt.

I haven’t heard anything about any settlements yet, but they say they’re close to a settlement with two creditors.

It’s nice that they have given me an adapter for my phone, and when creditors call, I switch them to the adapter and they get a recording that says to stop calling, call their number.