I am almost 24 years old and my credit is down the drain. (in the flipping 400s) i’m not entirely sure what to do If you’re wondering how I got so much debt it’s pretty easy. I came from a family that uses credit for everything and my mother convinced me to start applying for credit cards at 18- and it didnt end well. I cannot believe 18 year olds can have credit cards. Anyway, the total debt I have sent to collections probably can’t be over.. $4,000 and I …