I suggest you read Dave Ramsey's book The Total Money Makeover. I wouldn't worry so much about your credit score, I would focus on getting out of debt completely. Get a part time job and get on a tight budget, I mean survival budget.
A second job can knock this debt out quick, then only use your cards when you can pay in full each month. SAVE money, build an emergency fund. Your credit score will shape up when you get your debt under control.
I'm currently debtfree and still living on a tight budget for other wealth building purposes. Read books like, The Millionaire Next Door, Financial Peace and others on personal finance for something to do other than going out spending money. When your focused and have a plan with goals, working long hours and sacrifice is easily worth it. Good luck.
Last edited by maat55 : 04-04-2008 at 06:16 PM.
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