What would you suggest for a 20 yr old to do about 4 negative accounts on credit report?

Consumer Credit Reports
Bianca L asked:


What would you suggest for a 20 year old who is about $2500 in debt…I want to improve my credit but I have 4 negative accounts on my credit report. Would you suggest I get a credit counselor and have them give me budget plan to settle my accounts. Would this help my credit score? Has anyone ever went through Money Management or Consumer Credit Counseling?

NORMAN
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