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Volcano123

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Need to combine 3 credit cards , pay off some old collections

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If you can get approved for a credit card with a 0 percent balance transfer fee and/or get a personal consolidation loan to pay off those debts, it is the start of a smart move.   Be certain to keep the old credit cards open, do not close them.  ALthough, as part of the smart move, you need to ensure you aren't just moving the balance and continuing to use the old cards.  As if you continue to use the old cards (don't close them)  you are only expanding your debt and you will be worse shape than you are in today.

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To best do that, you first need to understand how credit works and how to build your credit score.  That information can be obtained by reading the articles on this site and using the interactive financial tools.  Also, you need to learn about the Statute of Limitations on collections and how to negotiate a 'pay for delete'' agreement.  These are tools you may need for the rest of your life so the sooner you learn about them, the better.  Teaching about credit is the purpose of Credit Karma and they do so very well.

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