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Posted in Paying Your Bills
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Bl9ckBe9uty

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I want to repair my credit and not file bankruptcy i need all the advice i can get

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Well you are the only one that can make it happen,  

I see you have been a "Member Since: May 2013"

and what have you done during that time?   Anything?

You need to READ, and READ, and then READ MORE.   you need to have a Plan and stick to it.  a 1, 2, 3, 5, 10 year plan.  

DO Not Expect things to change over night,  or over a month or few months,   Change is Slow.

It is a Easy Slide down , but the Climb back up is much harder. 

Read and Learn.

Google Dave Ramsey ,  7 baby steps, this is getting out of Debt,  not about Credit Scores.

Top Contributor
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I have been on several financial forums for years and have seen numerous references to Dave Ramsey's baby steps in debt repayment, and all were positive.  Once you get the debts cleared up, you can work on building an excellent score and Credit Karma will help with that.  Re-read the articles here so you can learn.  Seems you haven't done so or you wouldn't be considering bankruptcy now.

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