Old debt when a minor
When I was younger (16-18) I applied for numerous credit cards. At first, I paid them religiously and always paid more than the minimal payment. After a while, I was left with no job and soon fell behind on my payments and eventually stopped paying. It has been a long time since I made any payments on any of the credit cards. I am now 25 and I've learned from my mistakes and have realized how important it is to have good credit! I just recently moved to NYC and to get an apartment was almost impossible because of my credit. I want to start working on my credit but I don t know what’s the best to begin to go about it.
I’ve read different articles on the internet that say different things. Some say I should contact the company directly. Some say that I should call the debt collecting agency.
My fear with calling the debt agency is that I will pay all my debt and will receive the news thousands of dollars later my credit remains horrible.
Any thoughts would be immensely appreciated!