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.

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


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


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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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