Hello All,
Like most young adults - I opened up too many CC's and didn't have enough income coming in to pay off my debt. Long story short 4 years later I am a recent college graduate with a decent paying jobs 31k per year. I am in a better position to pay off of my debt but I am unsure how or even where to start. Any responses will be helpful. Thanks in Advance
I Below find my the current debt that is listed on my credit report:
Discover Card
Date opened: 1/2008
Balance: $1,088
Past Due Amount: $842
Account is Charged Off
US Dept of Ed
Date Opened: 5/2010
Balance: $214
Account is in Good Standing
CitiBank
Date openedL 1/2008
Balance: $2,014
Past Due Amount: $1714
Account is Charged Off
Capt One
Date opened 1/2008
Balance: $1110
Account is Charged Off - Also a judgement is placed on this account
Macys
Date opened: 1/2008
Balance: 226
Account is Charged off
I have two items in Collection - Looks like both are from AT&t but I've only ever had one AT&T account
At&t mobility
Balance: $167
At&t mobility
Balance: $143
Can someone please point me in the right direction. My total debt is $4,438. Can I just pay them all off now and start over? Once these debts are paid - is there a process to get them deleted off of my credit report? Any advice will be useful.
Thanks So Much in Advance!
