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I just finished school and have to move home. I managed to get about $ 12,000 in debt from using credit cards while in school among other things I unfortunately could not pay at the time. I want to know the best way to pay down the debt fast and boost my credit score.

My debts are all in collections, I tried one of those debt help places and that caused all my credit cards to be written off. I want to do this on my own now and need more info. I have done a lot of research on this and want peoples personal opinions (what they did, how it worked, how long) that kind of thing.

I will have about $ 700 extra a month and my debts range from $ 300-$ 5,000 I have about 8 debts.

And, please, I don’t need a lecture I have owned up to my mistakes and now I am trying to do the right thing and be responsible. I don’t have a life, I sleep and work, that is it. I work a full time job to were I can’t have a second job at this time. I just became full time and my employer will drop me down to about 16 hours a week if I go part time.

My credit is horrible now and I need to change that so I can consolidate my student loans next year.
This is not something I can wait to do, I must consolidate them next year to get my parents names off my student loans.

Thank you for your info and help in advance.

2 Thoughts on Help!!! Need to get credit score up to consolidate Student Loans?
  1. Reply
    mommyof2ah
    November 15, 2011 at 5:55 am

    I don’t know much about student loans but as a parent of two small childern I now alot about debt. Not having time for a second job is okay if you work online. I know everyone says they do it but do they really make money at it. well as a skeptical person I have tried all the work at home jobs you can think of. I have spent hundreds of dollars I didn’t have. Until a passion party consultant told me about an little secret only party host new about. You don’t have to host passion parties to make money you can own your very own online store. It cost a little bit to get started but not much and within a few weeks it not only makes you your money back but it makes you a nice little extra profit. It will be free cash to help pay off those debt alot quicker. Just check it out I’m sure it’s something that will interest you. If you need time to think about it the same price is in effect for up to 6 months to get started. It’s sorta that don’t do much and get paid for it.

    http://www.adult-business.us/516544

  2. Reply
    Lionel
    November 15, 2011 at 6:16 am

    freecreditreport.sinfree.net – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

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