How to boost your credit score and get rid of debt?

at one point in time i was $3k in debt. what i did was make paying it off the most important thing in my life. every check went towards that. if you need to you can transfer the balance to one of those cards that have 0% interest for the first year if you think you can pay it off by then. cause those interest rates will get you bad

Do away with anything that offers you credit. Credit cards, store cards (cut them up and ask your bank for a basic bank account)... everything. If you can't afford to pay for it outright at the time of purchase, then save for it - just remove the temptation to put anything else on credit from yourself.

From there, work on paying the debts down every month... contact the companies and find out the least you can pay without getting deeper in the red - that's your minimum repayment amount, though you want to pay off more than that if you can on debts that accrue interest because that's going to sap your credit rating, so clear these first.

The debts that don't accrue interest may allow you to make smaller repayments if they know your situation, so be honest and tell them about your situation.

Try to find free debt advice local to you, too... these guys might know of grants and charitable funds that you might be able to access to reduce your bills in future and bring your spending down further.

Well mine is in horrible shape but at least it's in the high 500s and my net worth is higher than the full 4500 or so I owe I'm just a merchant that has 20k in PREORDERS outstanding that I have to cover. But April of Next year it all starts to disappear quite quickly and my credit rating SKYROCKETS.

And in the meantime I have a 4k capable laptop to enjoy that's 17 inches.

Keep making your payments. it's going to be hard to get anyone to help you out of this until it's up to about 650 then maybe you could consolidate with personal loans.

there are two strategies, if you're me you look for the highest interest one and pay it off as aggressively as possible if you're more normal you look for the lowest balance and pay that off.

I use the debt avalanche- But I'm abnormal.

[media=https://youtu.be/jtgnRJKSJlw]

dave ramsay would tell you to use the snowball- he's not wrong, most people benefit from the psychology of it. I just prefer the mathmatically superior option.

[media=https://youtu.be/S19s7RwpKSM]

you're probably more normal than I am. but then again:

[media=https://youtu.be/6Zxl1p5Wwf4]

decreasing any debt and making payments on time will improve it the most. Unfortunately it takes time to repair it but it can be done.

Well just cut up your cards and just carry cash