Don’t know where to start

[Brelyn Pyles]

Hey all so I have few questions hopefully someone could answer so I am interested in REI but my current financial situation doesn’t match up with the goals that I want to accomplish I am 26 soon to be 27 working a full time job and also a part time job to pay down some of the debt that I have accrued thru out the years which now adds up to $19,000 and a voluntary repo that will be placed on my credit soon before that my score wasn’t bad in the 600’s so my question is what would be the best way to get myself in a better situation to start REI I know the first thing would be to pay down my debts the big and the small ones but is there anything I could do in the meantime instead of just feeling stagnant I already hate my job but it’s not about what I want to do right now it’s about what I have to do I’d also like to eventually go back to school to finish up business management and marketing but I also know that that is digging another hole financially. I’ve moved back home with family and everything but I just want to feel like I’m getting some where even if it’s a small step please any advice would be appreciated

[Joshua May]

Start by downloading Credit Karma, I've raised my score by 100 points within a year!
I found out what I owed and have just about paid off all the debts, it's good to save up a lump sum to negotiate any collectors, I averaged paying 51% of debt owed on the accounts.
Open a small credit card that doesn't have annual fees, CK is great for seeing what you qualify for, rarely use the card and only keep $5 on it.
You can also get a secured credit card which helps a lot! Look for one that reports to all 3 bureaus.
Google how to negotiate creditors, the timeframes for statute of limitations in your state for which they can take legal action, call the original debt company and find out when the account went delinquent, creditors manipulate the age of debts, knowing the true date, you can use this to force them to remove it from your history after 7 years if they're that old.