I took this budget/finance class this morning...since Im having another baby, I figure its bout time to learn. Ive been so dumb with my money! I wish I took this class before!
Anyway.... the teacher was saying that no matter whats on your report...that you could have good credit inthe futurre if you work hartd to repair it. Well I have a repo, bad credit cards....all that,and Im only 21. He said no problem.
BUT collections knows me by my first name! He said once they get involved, its no point to pay them because it wont do any good, and that my credit will never be OK again. Anybody know about this? I really want to pay all my debts and (wait 7 yrs..ugh) and get rid of the headaches and maybe buy a house on my own for me and the girls. Please tell me Im not screwed!



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