Hello Larissa Here I'm a 20 year old college student who is in debt. I have student loans which I won't have to pay anytime soon but I do have 5 cards that I have about 4000-5000 dollars in debt on. I've vowed to myself to pay these off now(New Year's Resolution....only one of many).One of my cards an Express storecard is still current and open and I just sent a payment of $50 in earlier this week. My balance is up to 180....most of which is interest.I had perfect credit about a year ago and decided I needed a computer so I got a loan from Gateway and bought a new computer. It did cost about $1600 and now my balance with them is bout $2100.I also have a capital one card with a balance 0f $370.My Citibank mastercard is up to $490 andMy Associates ......about $1000.They are all past due, except the Express card and I was wondering what I should. I really want to take care of this before I leave undergrad school but I'm not too sure what to do. Should I go to Genus, CCCS, or any of those agencies? What do you think I should do please help soon. I would like to buy a house and car when i eventually get out of school. A job would be nice to. I do know that bad credit can affect all of these and I would like to fix it before it goes any further. Also, I do know that one or more of these cards are put on charge-off. Right now I'm not exactly sure which ones? What do I do? PLEASE SAY YOU CAN HELP!!I've been a reader of these boards for about a month now and I've seen many happy dances so I decided to finally ask for HELP!!Thanks.
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