anyone with history on getting out of credit card debt before buying a house?
im about 25k in credit card debt from school and a bunch of family and personal things and there are about a thousand commercials or websites claiming to get you out of debt but i have a pretty good idea they will all ruin my credit and any chance i have at buying a house in the future. if anyone has a suggestion or a tip for what they have done in the past that will hurt my credit score the least i will be grateful. thanks
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Pay more than your monthly payment…as much as you can and still be able to live reasonably. If you only pay off your monthly balance you will never get it paid off. Pay of the highest interest cards first then move on to the others. Cut up all of your credit cards and don’t get any new ones. This is what I have done and it is extremely hard but it works. Why pay someone else to tell you to put together a plan like this. There is no quick fix to getting out of credit card debt, only hard work.