Hello and thank you for all the helpful information. I am thinking of purchasing a new mobile phone plan,as I currently do not have one, I have a cell-phone but no plan, so I can’t really leave the Wi-Fi area or my phone won’t work. I figured that would be a good 40$/month (or every other). Since those accounts are paid (either in full, or or the settlement amount) are them being negative hurting me as much as I think they are? I was always told by other people, even though they are negative because they show I paid as soon as contacted about them (after going into collections, first I knew of them) it isn’t as huge of a hurt as I’d think since they aren’t sitting there in collections still – I paid the Furniture Fair balance within 2 weeks of finding out that it was still open by the collections person.
My goal is my 30th birthday, which is just over a year away, but I’m not going to be stressed on if it takes longer than that. Does the Amazon Card report to all three bureaus? I was under the idea that it didn’t. As you can tell, I never really thought much about my credit or anything since I like cash and always have the idea on if I don’t have the cash for it, I don’t need it. Clearly, that idea didn’t work as well as I’d hope in the long run lol