Bad credit gal seeking some advice?

I have horrible credit. I went through college thinking that I could pay it all back later and let it pile up. Now I'm trying to slowly climb out. I've tried to figure out a budget, but it just never works.





I have maxed out cards mostly in collections. I have a bank account and a savings account. I try to keep a good record of my account and have been doing okay with it.





I guess my question is, I know I have a serious shopping problems, but I also want to resolve my credit problems because I've realized you need good credit for the good jobs; so is there a website I could go to that has a budget planner or should I call a financial adviser to give me a budget or is there someone out there with a trick.





Because not only do I eventually move from my entry level job in the near future, I want to be able to have credit cards with more than $300 limits, I also need a car and will have to move in 5 months.





Any suggestions are welcome and needed.Bad credit gal seeking some advice?
good credit and spending habits is something taught by parents i believe. no financial advisor will be able to help you unless you stick by the budget to the cent. it will not be fun, as its like being on a diet. as for the collections, if they are small, pay them off when you can. generally they will stick around on your credit report for about 7 years. if the collection is sold to another company, it can stick around for another 7 years. if they are large collections, try calling the agencies to see if they will settle for less. often times the agencies will cut their losses for lets say; half of what you owe. get a copy of your credit report. it will show all collections against you, even some you may not know about. good credit takes a long time to build. steady payments and having low balances is the only way to get it higher. Bad credit gal seeking some advice?
I would recommend 2 things: 1) a very low cost (possibly free) credit repair program to try to have the negative items removed. 2) I would add a tradeline program to boost your score quickly (60 days or quite possibly less). A friend in California used this and got a 120 point bump from 560 to 680. My friend in California went through www.totaldebtsolutionsllc.com and called their toll free# or filled out the free evaluation form to get the ball rolling. Good luck
To get out of debt, and stay out, you need to cut up all the cards except maybe 1 at the most NOW. If you keep one, freeze it in a block of ice. Read Dave Ramsey's ';Total Money Makeover';. If you go to http://www.frugalvillage.com/forums there's a guy with the user name Greebo that is awesome at looking at your debts and putting out a repayment plan for you.
Wow, you show great awareness of a set of related problems. It's time to get long-term help from a financial advisor. The benefit of an advisor vs. a web site is that you can use the relationship to understand the basis of sound decisions on money and develop some coping mechanisms that will let you get to a healthy financial state.





In the meantime, start thinking about how to live within your means as a lifelong practice. Otherwise, you are taking money away from your future self. It is not a great bet to think that you can live on less in the future than you live on now -- when you use credit in a significant way, you are making that bet.