Trying to clean up my credit….?
I don’t have any credit card debt whatsoever but numerous bills I racked up as a youngster that I couldn’t or didn’t pay. No repos, no liens, no student loans, just bills. Should I go through one of the agencies of just contact the companies on my own and go from there? I really want to consolidate that debt into one sum but I don’t think they do that if you don’t have credit card debt. Any ideas on what I should do?
Consolidation is not the way for you to go.
Contacting them one by one is a plus. Most will work with you if you show some back bone.
Start with the smallest one and pay it off. work your way up. I got rid of my ex-wifes debt that way. One by one. When I contacted every one she owed money too, I was surprized that they all were willing to bend. In fact most of them bent a lot. I got all of them paid.
If I had consolidated I’d still by making payments. By getting rid of one bill you free up money to double up on the second bill. The result is the pay down starts slow but ends very fast.
