Hey everyone. I am new here and am hoping to get some much needed credit help. To make a long story short...young, very stupid and made a lot of mistakes over the past few years. I took my credit rating for granted (never really understood how much bad credit can effect you) and I got myself into a big mess. So, now I have decided to finally grow up and be responsible for my actions...it's been a long, hard and expensive lesson to learn. I recently sold my car (one of the many mistakes I had made) and have been putting the monthly payment ($650 -- unfortunately, it was not some high end sports car) towards existing debts. I am just looking for more help on which debts I should start paying now and which ones may be more beneficial to pay sooner to help my credit. I know credit repair is a long process but I would like to atleast get moving in the right direction so in a few years I am able to be that person I envy so much with a good credit score and a manageable budget.
I am not sure what information would be most helpful, I am willing to post my credit report (personal information deleted, of course) if that will allow me to get the best advice.
Any help is much appreciated.
I am not sure what information would be most helpful, I am willing to post my credit report (personal information deleted, of course) if that will allow me to get the best advice.
Any help is much appreciated.
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