This past week, I have been looking at my credit history and I want to pay it off. I am looking for a job so I can start making payments on things. When I graduate school next December and I start my career, I am going to be majorly paying off debts. I also wanted to help my fiance pay off his debt. I know someone is going to say that his debt is not my responsibility and I know this. We are planning on getting married, we just haven't set a date yet. We also would like to buy a house together with our son but we can't get approved for a mortgage with our poor credit. I was looking at his credit history and I noticed that he has utilities that went into collection back when him and his ex split up. I feel that I shouldn't pay those debts off because I would be paying off one of her debts also. He doesn't expect to pay them off either. On the other hand, if I don't help pay them off, then it's going to hurt myself and our son.
The reason I keep saying me pay them off is because I was planning on also finding a job and using his paycheck towards monthly bills and using my paycheck to pay off my credit first and then his.
What would you do?