Hi how do i start things off.
Ran into trouble and now my credit score is under 600.
From what i can tell in my report, i have 9 Number of your accounts that were ever 60 days late or worse and 2 collections. I've simulated what will effect my scores, and best thing for me to do. I also simulated my best actions and it's telling me to pay off my $3000 dollars off in 24months.
My question here is, is it better if i pay off the payment off at once or do i just do as they tell me to do, this is killing me. It would be of great help if you guys or girls can help me with this.