Without a good mix of credit and credit history how do you expect her to get scores in the 700-800 range by simply paying off debt? A good history on her cards will greatly increase her changes to reach the 700+ range.
ninjaroo wrote:Bellanot to sound harsh and it is good you are waking up to the credit issues you have and want to fix the situation. Here is my advice.1. Close those cards you just got there is absolutley no need for them.2. You need to get a realistic evaluation of your future. get a law job and pay your debts off as soon as possible, one the debts are paid you can travel responsibly to visit you family. Have your debts paid off and after your scores rise to the 700-800 range you can get a mortgage.3. read and get as much info as you can i recommend www.thesimpledollar.comand Dave Ramsay4. the traveling after graduation will end up racking up more debt5. What ever salary you get you need to live like a pauper for a while to pay your debts off.