I Need Guidance

[Msokk]

I’m 27 years old and I’m afraid that I may have ruined my credit and don’t know how to fix it. I racked up credit card debt faster than I could pay it off and have ended up with multiple charged off accounts and multiple with high balances still open. I know that I need to make changes and I need to start now. I don’t want to ruin my life because my credit is poor but I don’t even know where to start. I really need advice as to where to start. I’m completely lost and losing hope.

[Carl]

Do a google search for "Dave Ramsey" and go from there. Won't cost you a penny either. If you're serious about this, you'll do it and you'll stick to the plan. Those that aren't serious generally end up homeless and penniless. So it's up to you.

[rainyxrain]

The first step is to save up! Look at your income and pay attention to how much you owe! Turbotax is a great way to show you your credit and even show you where others are at your age. It’s never too late to pay back your credit card debt. Start paying now! Don’t wait! The longer you wait, the more interest with rack up.