<prompt> Human: As the title and username suggest, my credit score is 384. Good news: Ive just gotten caught up on all payments and short term debit. Bad news: still have 3k left in college debt havent finished, but I missed payments so it has been sent to collections, phone just broke, and I just lost my job. Ive been working on getting another job I appreciate all the posts here about that and now I want to start working on bringing my credit score up. I know theres tons of posts about fixing ones credit on this subreddit, but Im feeling a little overwhelmed and was looking for a good place to start besides getting another job. To Clarify: I have a burner phone, but I would like to get an decentgood smartphone sometime soon because it makes life easier and is ridiculously helpful; especially, when it comes to managing my lifebills. Not sure which should be weighted more: getting a smartphone, paying off the remaining debt, or putting money towards fixing credit.  <response>: 1 You dont need a smartphone. It certainly isnt going to pay for itself and you dont have the money - you just have debt. Having a stupidphone might be inconvenient, but youll just have to put up with that.2 Pay off bad debt a.s.a.p..3 Pay off other debts after that.4 Cut up any credit cards you may have. It may seem harsh, but you simply cant handle credit at the moment and mustnt take on more debt. Learn to live within your means. 