<prompt> Human: Hi PF -As stated in the title, I absolutely wrecked my credit trying to build my business. Now the business has taken off and Ill take home upwards of 100,000 this year. I have around 20,000 in the bank now, but Im having trouble even getting a new rental place because my credit is bad. I really dont know where to start except to payback my debt. I have about 8,000 in credit card debt and 30,000 in student loans. There are probably a few non-payments that Ive missed as well. Id like to pay an agency or service to get me on the right path, but Im hesitant to trust most of what Ive found out there.  <response>: I really dont know where to start except to payback my debtYyyyup. 