<prompt> Human: I was wondering if I could get a little guidance here. I am a college dropout and currently have a steady job, and now ahead of my bills. Im taking care of my mom who is waiting for her disability to get approved so she can get govt assistance theyre really making it hard on us.I just received my taxes and I reside in California. We recieved section 8 and are moving in by the end of the month. I want to pay off my credit card debt 1,000 and start building up my credit because whos gonna run a business with bad credit and I have two questions.1 What would be my best approach in paying off my debt? If I make small payments Ill have it payed off in three months time, and I have about 200 I can deposit into my credit today, which leads to my next question.2 Should I consider my credit score now, or after I have finished paying my bill?To elaborate, Ive been given advice that there are firms that will not only give me a way of paying less than I owe, but fix my credit score in the process.--I dont have strong confidence in a third party being on my side, and am thinking if theres anything I can do personally to make payments in a way that is also beneficial to my credit score aside from the fact that I am paying the debt.Replies are much appreciated.  <response>: 1000 in CC debt is, relatively speaking, small fish. You dont need any third party or debt consolidation or whatever. Just pay it off ASAP. It should be your first priority hold all unnecessary expenses because you are just throwing away money on CC interest. If you have 0 savings it might be a good idea to start building some, but if were only talking a max of 3 months, just pay off the debt.You worry about building credit after youve paid off your debt. 