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draymond31 wants to know:

Ok, I have a credit score of 504. Of the 40 items on my credit report 37 are old medical and the other 3 are paid as requested which are home, car, and one credit card.
Do I go ahead and try to repair the credit or file bankruptcy?
Before or after selling a home?

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Dr. Butt, CPA wants to know:

I am the co-signer with my mom when we financed a car from Honda. It lasts for 5 years. I am trying to pay it off in 2 or 3 payments within 1 year to avoid having to pay the high 9% interest rate. By doing this, how will it affect my credit rating? Will I have better credit if I pay it off throughout the 5 years?