<prompt> Human: Im 33 and have embarrassingly bad credit. Debt collectors call every day I dont answer. I even have a good job 45,000year but I live paycheck to paycheck and have NO savings. No credit cards either, since I defaulted on three. My first priority is an emergency fund of about 16,000, but Im not sure if thats wise. I dont want need new things except I have very little furniture, so I want to rebuild my credit and have this be the beginning of a better phase of my life. I do have retirement through work but dont know much about it. Should I even bother rebuilding my credit, or just find a way to invest this for retirement?  <response>: With almost no information, what are you asking?Write down your debtstype, amount owed, charge off, dates of first delinquency, state of limitations so we can get a picture of where youre at. 