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shammyshay

Member since: April 2009

Total Contributions: 1

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I have really poor credit, how can I begin to fix it?

When I turned 18 I got 2 credit cards and racked up $2000 in debt. Then when I add the rest of it up (not including my cost of living) I'm at just over 5,500. With my job I only have about $200 a month after I pay all of the bills for the month. I am getting a second job (Ya know, when I can obtian one)...but out of opinion would it be easier for me to delare bankruptsy and begin building my credit right away or to go the other way and just start payin off the bills? My score now is 528 :(

Response posted 2 years ago

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