I have two credit card bills totaling 2600, a hospital bill for 300. I joined a credit counseling agency last year because I had no job to pay the bills. How bad do you think my credit is?
How could we possibly tell with so little information that you provided??? Are the credit card bills current, late or charged off? If they are charged off, how long ago was that? Same for the hospital bill. Are you employed now? Have you pulled your credit reports yet? Are you making payments through the counseling agency now or not? You have to be more specific if you ask a question and expect to get advice.