Without going into specifics I have a credit score of 515. I do not have any debt from loans, properties or cars. I have one open CC which I use and was opened in 2007. But I have 2 other CC's I opened in 2015 and unfortunately I have not been able to pay off. Both accounts are closed, so do I contact them and pay it off directly? Or do I pay the amount thats offered to me by collections which is smaller? It also says the accounts are 'charged off' in my credit report.
Also, I understand that secured CC's are the way to go in helping me build my bad credit up. Would that be the only way to help fix it? Especially a couple years down the line when I'm looking into buying a car or a house.
While having no idea what I was doing with my life, I also did not value how important my financial future was.
I am a dumbass.
Submitted August 14, 2018 at 09:59PM by amidiot2 https://ift.tt/2PaAmaE
