Thank you both! That helped a lot. I’m working on getting my debt emergency atleast out of the emergency stage.

My question is: I finally have a full-time, well paying job. I have a few charge offs on three credit cards within the last year (things were tight and it was keep the lights/phone on vs. credit cards). I have been told that if I pay those, it will screw up my abysmal credit even more. Is that true? Any tips/hints on…

Foxy Loxy from Savannah, Ga?