<prompt> Human: My credit score is horrible. Ive recently fell into a large sum of money, which helped me in my last leg of debt. Now I dont know what to do financially.  <response>: I would start by checkout out the wiki faq. It should have everything you need from what to do with your cash, how to build credit, what order you should invest in, etc... It even has a section to cover windfalls. But start with the sections for I have X, what should I do with it? and Credit. 