I want to fix my credit but I feel so in debt that I don\'t know where to begin

I am a single employed mother of two. I have some outstanding credit card debts, medical bills and cell phone bills which I now can’t afford to pay. I want to fix my credit but I feel so in debt that I don\'t know where to begin. Please help, I\'d greatly appreciate it.

3 Answers

Yes, pay off debt, take out a secured credit card to establish good payment history. Such steps can boost your credit score.


My previous poster is absolutely right. Do whatever she has said.


Your first step will be to pay off debt. You can enroll into a debt consolidation program to pay off the unsecured debts. In a debt consolidation program, the counselors will arrange an affordable repayment plan for you. But before enrolling into the consolidation program, you need to get a job. Try to get current on all your debts. Check your credit report and find out if there are errors on it. Dispute the errors with the credit bureaus.  


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