well i would not charge anything and pay down all of my debt asap — while i was doing that i would take one of the cards and use it as a debit card — in other words use it but pay the complete balance each month — i would also downsize my life for a few months and build up a rainy fund — there are things you can do with out to get this fund built up and it sure would be handy should you lose your job!!!

Ah, as a fellow sufferer of credit, I would like to share my experiences w. you

1) Get legal advice or learn how to fill the right forms. It’s always good to know which forms or documents to give out/send out so that you don’t get calls from nasty solicitors/collectors
2) Learn how to budget. Golden rule: Don’t spend what you can’t afford. Use our new best friends: Debit Cards!
3) Get a second job, or get a better job. Don’t be afraid to learn something new, like bartending or real estate
4) Learn how to hustle: Colonel Saners did it, Famous Amous did it. If you bake or know how to make something, leverage it! Sell lemonade or something on the side. There’s always a way to make money on the side.
5) Set up a savings. Save atleast 10 bucks a week. Now calculate that. That’s $520! you can back that up as something for emergencies or something that you might need down the road.
6) Call your creditors. Bargain! If you ever played monopoly, it helps to know how to haggle!
7) Pay the smallest credit card down. That way, you can finish off something and work on bigger things! Look for places to save you money. research cheap medical and insurance plans if you must
Good luck!

First, make sure all the information on your credit report is accurate.

Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.

Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.

Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.

Repairing your credit and improving your credit score is a slow process that takes time.

You fix your credit by paying your bills on time and establishing a responsible credit history.

Get a prepaid Credit Card and use it a few times a month to help establish or re-establish your credit score.

1. get rid of any and all credit cards;
2. go to a not for profit service that helps people in debt;
3. arrange for a payout schedule with your creditors;
4. make the payments on time.

Stop using your damn credit card!!! and spend within your budget!!!

Get a second job, don’t take out any more loans until you pay back the ones you already have.

Dont use credit cards. at all.