Please give me advice on repairing my credit
Hi all,
I am looking to repair my credit, I went through some hard times a few years back. I have 2 collections on file, one is from 2008 November and the other is from 2009 Jan. TD took away my credit card in 2010 June, I still kept paying my balance on time for it though. I am now in a healthy financial state and I would like a game plan on the fastest way out of this mess. My debts are listed below my net income is $3800-4400 depending on overtime.
TD visa $6000
OSAP $7000
Collections $400
Collections $2000
Rent is $775
CIBC $11000
My credit score as of today was 637 and I wish to have it at 640-650 for now. I have $5000 in hand and I do not know which to attack first. Any advice? Please take it easy on me, I know I look reckless but sometimes life hands you lemons. But I do want to make it. Any inputs?
I am looking to repair my credit, I went through some hard times a few years back. I have 2 collections on file, one is from 2008 November and the other is from 2009 Jan. TD took away my credit card in 2010 June, I still kept paying my balance on time for it though. I am now in a healthy financial state and I would like a game plan on the fastest way out of this mess. My debts are listed below my net income is $3800-4400 depending on overtime.
TD visa $6000
OSAP $7000
Collections $400
Collections $2000
Rent is $775
CIBC $11000
My credit score as of today was 637 and I wish to have it at 640-650 for now. I have $5000 in hand and I do not know which to attack first. Any advice? Please take it easy on me, I know I look reckless but sometimes life hands you lemons. But I do want to make it. Any inputs?