<prompt> Human: Hi everyone, This is my very first post on Reddit and Im looking for some advice. I have an extremely complicated situation. I was a complete moron when I started college, I took out two separate credit cards and completely maxed them out. I neglected to pay them and I am now stuck. I owe approximately 3400 on two different credit cards. I recently graduated and am now making 400 a week. I also landlord on the side for a real estate investor who offers free housing to me and my younger siblings. My employment situation is temporary until the summer until I start my actual job which comes with a 45000 a year salary. I am looking to pay off my first credit card which I owe approximately 1340 on and then move on to the next one once I pay this one off. I also have apprx 15K saved which I am looking to use to put a down payment on a house in the near future but the issue Im running into is the fact that my credit score is too low. Im currently in the mid 500s. What is the best course of action for me? Should I take advantage of the free housing situation and use my savings to pay the credit card bills at once? or should I pay the credit cards off gradually and save what little income I do have to put towards the down payment?I am sorry about the complexity of this situation but I really need some advice. Update: I paid off the first credit card and I recently received a settlement offer for the second, Apprx 50 of the original debt. Should I instead negotiate directly with the credit card company and see if I can still pay the full amount gradually in order for it to show as paid in full on my credit report. Also what is everyones take on secured credit cards to start rebuilding credit?  <response>: You have 15k saved and 3400 of debt. Pay it off. 