« on: July 28, 2005, 08:31:28 AM »
My credit is totally f--ed. I won't get into the sob story, but my credit cards got out of control so I enrolled in a debt management service last year. I thought this would help my credit but so far it hasn't. I already work 2 jobs and pay as much to my credit cards as I can, but I make less than 30K and I have student loans on top of this, so it's barely make a dent in my CC debt. Does anybody out there have any advice on how to clean up my credit before I have to apply for a private loan? I am hoping to attend a T14 in the fall of '06 and assuming I don't win the lottery between now and then, I'm going to need to borrow quite a large sum. Any ideas or advice would be appreciated.