Thanks for the welcome!

I just bought a new notebook to start keeping track of where my money goes. I am also ordering my credit reports from the 3 Credit reporting companies to see what is on there and figure out how to go about paying them off, but i am a little leary about paying them off after hearing that they will reappear on my credit report for another 7 years. I want to wipe the slate clean and start over and try and rebuild the credit that i destroyed in my young and stupid years.

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