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wendell1900

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how do i find these collection to pay them off to better my score!!

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You go to annualcreditreport.com to get copies of all three credit reports.  You will look them over very carefully and you should know to whom you owe money!!  For all  wrong information, file a dispute with the credit bureau reporting same.  Then work out arrangements to pay off the others.  For advice on that, look over the articles on this site (see left side of page).  Credit Karma is all about teaching people how credit works and how to build and maintain a good credit score. The articles and financial tools on this site are very helpful in that effort and this is all for your benefit.  What you do with the information here is only for you.  No one else sees it.

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