You should put most of that sum into your savings and emergency accounts, and you may need to use some of it to alleviate debts and help improve your credit report. (ovationcredit.com)
For more information on improving your credit reports and score, check out my credit repair guide and my guide to having late payments removed from your credit report. (treesfullofmoney.com)
Just by improving your credit report, you will be able to save a lot of money that gets lost because of high interest charges. (badcreditloanservices.com)