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Fixing for the Future


BeachyPeach
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The last post in this topic was posted 3982 days ago. 

 

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Hello all!



This has been a rough few years for me, but I'm finally in a position to start fixing some of the mistakes I've made. I've cleaned up a lot of things in my personal life, now it is time to really tackle my financial. As far as debt, I'm really not in a bad off position. I recently got married and with our combined efforts my debts could be paid off relatively quickly. However my credit is terrible. We were recently getting a new car, and were going to put it in both of our names to help my score. It is at a horrendous 516. We decided not to since with my husband's super high credit we'd be saving thousands by putting it in his name only. He wants to just pay everything off, but from the research I've done, I can see how that might not be exactly to our benefit. Our major concern is that we would like to buy a home in the next few years, and I want to make sure I'm able to contribute, espcially since once I graduate from school my income would be a great addition to add for mortgage consideration.



So, here is everything. Laid bare. Thanks in advance for your help.



Collections:



Portfolio RC, Original Creditor GE Bank $922



CREDBURSRV, Original Creditor Carolina Healh $297



Credit Coll, Original Creditor LabCorp $103



Bay Area CS, Original Creditor Unkown $181




Charge Off:



GE Bank $644



Car Payment:


$225 month on a car that broke down and was scrapped because I couldn't keep it in the street. I have about $1000 left on the payment. It is not reporting.



Also, a debt collector contacted me about another medical bill. I asked for details on the bill and told her that I would not be making a payment because I was unemployed and unsure about the bill. All I got in the mail was a contract to fill out saying I could pay a certain amount of money each month. I haven't done anything about it, because I want to find more information. It's not showing up on my report, so I think it's someone contracted by the hospital maybe?



The cards with GE were my only accounts and I don't have any open cards right now. I have a utility bill in my name right now, and that's the only thing I have going for me. I have student loans, but I don't have to pay on them while in school, and once I graduate I (hopefully) will be able to work in a low income area which will get a great deal of that paid for me. We just relocated and I have a PT job to help out and keep me busy during deployment, so really money isn't an issue here. I just want to know what would be the most logical way to go about tackling this.



I think that's everything. I can't wait to hear from you guys.


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