relatively safe investment ideas and possible credit repair?
So i recently came into an inheritence of about $ 14,000. I have decided for the most part to live as if i havent recieved it other than upgrading my car (which is on its last leg) going to trade it in while i still can and spend about $ 2-3,000 cash… otherwise i wuld like some ideas on investing/saving for the long run… cds, stocks, etc… just anything really wuld b great to consider??
Now also when i was 18-19 (24 now)… i screwed up with credit cards n such… i think i had about $ 5,000 on one card which was eventually written off on their end (called it a loss) but obviously not good on my end… had a couple other low balance write offs as well… all back when i was 18-19…. my question is what can i do to repair my credit possibly with this money??? most of it i think is written off…. i think… and heck im not really even sure what my score is exactly what everything is thats on there… (oh i do have medical bills the last few years cuz of no insurance and bad asthma and scoliosis) is it true that some things drop off after so many years?? eventually u wuld like to buy a house and apply for a mortgage… but i know my credit is crap… but what to do about it????
my boyfriend has score of 588… but they say u need at least a 640 for a mortgage… and all he has is student loans and medical bills….
BEING AN ADULT IS HARD!!! LOL