Tuesday, December 13, 2011

I need some very important advice.?

i have a very low credit score of 541. I also have a lot of collections on my credit report. no credit cards, loans or any thing like that. i was young and not realizing what i was doing to my credit. besides the medical bill (had no insurance) i could maybe pay the rest off in a few years? i dont know what to do. i feel like im a failure and never going to have anything in life. there are so many different collection agency's on there i dont know if i could keep up with paying them all or what goes where, and when. should i consolidate or what. is it too late? please help if you can

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