I have a bad credit history what should I do?

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When I was 18 I took out a capitalone credit card and got 200 bucks instant cash and took it to memphis tennessee and blew it all at a hippy festival. Now I'm 27 and I have 20,000 dollars worth of school loans and about 5k worth of doctor bills and that same capital one bill is 1800 bucks and I don't get collection notices any more they have signed me off. I am interested in making a weekly payment on my own and building it up on my own. However I don't know where to get my Fico score to start, everyone wants a 13 dollar a month subscription and I can use that money to make a payment. I went to a credit counselor and they told me I need to get current info from all of my lenders before they help me come up with a debt repayment plan. I think I am not going to use them and I'm going to do it myself. I am going to have to pay about 120 bucks a month on my school loans I can probably pay another 100 bucks a month on my credit. Any advice would be greatly appreciated. websites too.

I have a bad credit history what should I do?

Everyone in USA is entitled to a one time free credit report per year----check on google for "free credit report" and they will give you the proper web site to call it up. You can only get it once per 12 months-----; however, Im not sure you really want to see it as it is going to be depressing. Do what the credit counselor said:: write each one of your creditors requesting their best plan they have to offer (how much per month) and if willing to reduce principal. After you get those in hand you will know where to start. In the meantime, sell everything that you dont absolutely need. Downsize on the car, sell jewelery etc and raise some cash. Good luck


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