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I have been advised that I should transfer part of a balance of one credit card to another card in order to maintain 50% debt to credit limit ratio on _each_ card even though my _total_ debt to...

You might want to take a look at the following web page: "50 ways to raise your fico credit score."

Good luck.

List of 50 - » 50 Ways To Raise Your FICO Credit Score

There are probably more conventional ways for you to get a loan, but you could try to get a person-to-person loan. Take a look at Prosper: The online marketplace for people-to-people lending. I...