Mickey Isle: Well, the first thing you need to do is to stay away from credit repair companies as most of these are scams. The next thing I would do is try to wipe out accounts at one time. Get a full report as to what is on your credit report. Now, save up money to pay off the account in full, starting with the oldest account in default. Do not slowly pay on your account like setting up a payment plan because this will only slow the process and take forever.Now, do you have a bank? Most banks, offer a credit repair debit card. This debit card shows up as a credit card and whenever you make a purchase, it goes on your credit report, raising your credit score points. I suggest National City as the bank to open an account to get this card. ...Show more
Myriam Hetjonk: Total Debt Solutions and their affiliates offer many solutions from formal and affordable credit repair to tradeline programs. They also specialize in debt settlement to get you out for less on past due! bills. Check out the source website and their free evaluation form for more info. Good luck.
Brian Freedland: For starters get your free credit report using the link below. Then find a great source of information like http://www.creditboards.com that will provide you with a wealth of credit knowledge all for free from people are are actively repairing their credit just like you.
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