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jet468

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What's the best way to start to clean up my credit? I don't even know where to start.

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first step is to get copies of your credit reports. annualcreditreport.com is a legit website setup by the major agencies as required by federal law. you are entitled to a free report once a year. get your reports so that you know who and how much you owe. in the meantime, find out what your scores are here, and try geting some credit. capone and perhaps your local bank are known to give credit cards for more marginal scores, so try them. if regular credit cards don't work, then you'll have to get a secured card. make sure they report to the credit agencies! get a small card, use it once a month for gas, and pay it off before the bill statement ends. you'll begin building credit while working on the negative stuff. 

stuff that's old, meaning 5 years or so, leave alone. they will be removed at 7 years anyway. more recent derogatory accounts, contact them and try to negotiate a pay for removal. this means if you pay them off, they will agree to remove it from your report. GET IT IN WRITING. that's a pretty good start right there! 

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