<prompt> Human: PLEASE HELP! Resources, suggestions or advice very appreciated!Okay, so I just recently last month got a secured credit card Finally! with a limit of 200, after years of trying to get a CC without knowing that applying a lot hurt my credit and finding out that my Mom ruined my credit by using my name for countless utilities bills and other bills when I was under 18 that she never paid. My current credit score sits at 538 the average. I have lived off purely cashdebit on my own since I was 16 yo. In regards to moving forward, I know to pay off my statement balance right after its due in full each month, and to keep the statement balance under 30 utilization of my credit 60 and to keep using and paying off this credit card for as long as I can before opening any other Lines of Credit to maximize my score. I am also going back to school this summer and am taking out student loans for roughly 60,000 over the next 4 years which will cover my tuition and school expenses. My living expenses are minimal because of my boyfriend, who covers most of rent and food, but I do live in and will go to school in the SF Bay area which is super expensive. The main problem: Apart from the stuff my mom did Most of which has been removed after 7 years, but not all of them for some reason, Please advise on this!, I erroneously took on some debt of own that I never paid, nor attempted to pay in the last 5 years. Mainly 2 medical bills from the emergency room for a total of 2150 and a loan for 541 from AMScott for a total balance of 2,734 of unpaid debts. What do I do???Basically I dont know how to go about dealing with these debts, whether or not to pay them off in full or in part, leave them untouched until the statute of limitations is reached, or reach an agreement with the creditors. Is it better to pay them off or leave them alone in regards to my credit score and securing lower interest for my student loans and future loans??? Ive read conflicting stuff online on what to do and am seeking the advice of Reddit to help me understand what I should do. I know I have made mistakes but now I want to fix them and move on with my life and get it on track in regards to my credit.Tl;dr: My mom Mainly and myself ruined my credit score, and I need advice on how to salvage it, Please Help!The stats:My current income: 30,100 annual 2500month 1600 after taxesmonthMy total current Debt: 2,734Future debts: will have 60,000 in student loans debt after 4 years Future income: Approx: 50-70k for my major and career path. Income during school will go down as I go part time, but I may switch back to serving to make moreMain costs Monthly:Rent: My portion 600 of 2150 total a month screw SF RentsVariable costs and bills total: 800-900 GM: 100-200 a month left over for misc and random costs. Should I put this money towards the debt I have or save it for extra college costs? what would help my credit score the most???If you read all of this and can help I would really appreciate it!  <response>: Dispute the items with the credit reporting agency. You were under 18. Theyre not your debts. 