u/Outside-Pizza-8931

Using Credit Karma app.

I really want to taking my credit seriously, but I genuinely don’t understand what you guys talk about. I just need some direction and some dumb downed words.

Here’s my situation:

•	No credit cards at all

•	1 auto loan with Westlake Financial (closed, bad situation, no longer have the car)

•	About 5 student loans showing

•	1 collection account for around $8,000 (I don’t even know what it’s for)

I don’t understand:

•	How do I actually pay this stuff? Like where do I go?

•	Do I call someone? Who?

•	What should I focus on first?

•	Should I ignore some things and focus on others?