I have 3 credit cards that I haven't paid anything since I got it. I know, really really really bad. I had a Bank of America credit card, a Discover, and a Wachovia credit card. Total of how much I owe is about $4,000 now probably. I really have no clue though, because they are all charged off and is now in the hands of certain collection agencies. I have no idea how to contact these collection agencies and they haven't made an attempt to contact me yet. I just need to know how to go about even starting to get my finances back in order. My credit is now ruined and I just want to fix it all.
I was wondering also if I do end up paying off all my debts because it's not that high right now, how do I go about establishing good credit? Any information, links, book recommendations, etc. to help me with my situation would be a trumendous help! I already know I messed up big time. I'm only 20 years old, but I'm already in this much trouble with my credit score. I want to fix it ASAP.
2007-05-20
06:47:26
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5 answers
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asked by
Anonymous
in
Credit