<prompt> Human: Im 32F in the SF Bay Area with no kids and not married live with BF. My salary has been 68K, but was just bumped to 75K, netting me 1900 per check, so approx. 4k per month. I just accepted a small ownership in the small business Ive worked in for many years and will have significant profit sharing going forward, my projections are that it will be anywhere from 20K to 50K annually...and could be a lot more if Im driven since I have a significant role in biz development. Just for advise reference, my monthly baseline rent bills groceries for a month to live is around 2300. On to my woes, I was really terrible with credit cards in college, got them all paid off years ago so I have no credit card debt currently. But my credit report was shot for several years due to my mistakes and I just ignored it since I always had plenty of cash and didnt have many reasons to acquire credit, in addition to not trusting myself with credit. The past few months Ive been paying for creditrepair.com 89 a month, high, but so far theyve removed 6 negative items! to help fix some of this stuff.Two years ago I got a Orchard Credit Card with a 300 limit and Ive only used it for one small recurring charge as a small attempt to start fixing my credit. Around the same time my shitty college car that Id driven for 10 years was dead and I need a car for work and was moving even further from work, so it was go time. I was really nervous about getting a car loan and so I kind of took what I could get. My loan is at 6.7 with Wells Fargo, which I feel is too high. The best thing I could think of was just to pay a higher amount each month payment is set at 260, I pay 350. So my first question -- my auto loan balance is around 11,000 right now. Should I try to re-finance? My bf suggested I just up my payment even more...but Im not sure I want do that.Regarding my student loan, Ive paid the bare minimum on this for years 150 per month. Now that Im finally caring about my finances I realize that my loan is at 2.3, I always thought it was lower oops. My loan balance is 7265. Should I pay more each month? Try to re-finance? They are a mixture of 4 subsidized Direct and 1 unsubsidized but all with same interest rate. I graduated college 10 years ago and always heard this was good debt, but paying interest for so long seems stupid now. The other stupid thing I did in my youth was that I had a credit union in my college town and then moved to California. I was able to do some shared branching, but it got to be annoying so I switched to a bank here without closing out the other account and I ended up overdrafting on that CU account. I paid it back, I forget the timeframe, but it was within a few months of it happening. They never took it to a collections agency, but they list this as a charge-off on my credit report anyway, even though it was their in-house collections. Two things: 1. it happened in 2007, so next summer it will be 7 years that it happened. 2. even though the CU sent me a letter saying they wont be removing anything, whatever creditrepair.com did, Transunion did remove it from my report in good faith, I guess, and the other 2 credit bureaus are pending. So, should I put any energy towards this more than I already am via Creditrepair.com? Because I was so afraid of my credit report, I hadnt looked at it closely enough in the past to even realize it was there, but now I know its there Im pretty ticked though I totally recognize how stupid I was to let that happen. My credit score right now is 690. It was at 653 when I started with the creditrepair.com people, so that seems like good improvement. I was also just approved for the Costco American Express with a 5K credit limit which surprised the hell out of me. Reading over this, I realize that one piece of advice I might get is to use my new profit-sharing to pay off some of these debts...it is an option, but we likely wont do our draws until the end of the year 2014 and my instinct was to take most of this money and put it in my SEP-IRA for the tax benefits, etc.TLDR should I try to re-finance my auto and student loans? Will the inquiries hurt my credit score that is only just starting to improve? If the requests go nowhere, will a 7 year-old negative item from a credit union actually be removed?  <response>: Cancel the credit repair and put the money towards paying off your debt. If youre taking home 3800 a month and your bills are only 2300 including groceries, it looks like you have a lot of room for extra payments to kill your debt. Do you know how good itll feel to have that burden lifted off your shoulders? You dont have to live with debt. Once your debt is paid off you can save for whatever the hell you want and keep 100 of your money for you and your future. 