I need the best option to pay off defaulted credit cards…?
I defaulted on a couple credit cards straight out the gate at 20. Now I have a good job and I want to fix my credit. The problem is that I would much rather have one monthly payment for all of them, and I cannot get a debt consolidation loan. I have heard that many of the debt consolidation companies are scams. I know that I have the ability to settle all of my debts. So somehow I need to make sure that I take advantage of that. Can someone please give me some advice??