I need help fixing my credit but I don’t know where to start.

October 3, 2010 · Posted in Improve Your Credit Score · 51 Comments 

Here’s my situation: I have about 10k in debt and really bad credit. About 90% of my debt is medical bills that I could not help because I didn’t have insurance. The rest is unpaid cell phone bills, utility bills and a credit card that is wriiten off as “bad debt”. I’m only 23 and I want to fix this so I can buy a car, a home, and start buliding my credit again. If I just start paying them off with what I can afford (that would only be about $200 a month) this would take years to pay off. I’m also getting married next year with no one to help pay for the wedding and everything. My fiancee’s credit is just as bad as mine, so he can’t help. What is the best thing for me to do so I can at least buy a home in the near future? I don’t want to be in my 30′s and still living paycheck to paycheck. I’ve heard of debt consolidation loans, but if you need decent credit to get a loan, how could I get one? I know there are alot of scams that would take advantage of a person in my situation so I want to find a reputable company to work with.

You might also like:

Personal Blogs - BlogCatalog Blog Directory
Powered by Yahoo! Answers