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Kosmicgirl

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when doing credit repair, where do I start,?? they all look important. Which do I attack first??
collections, judgements.. ETC. I would like to move to a home with in a year? Do not have credit cards.

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First thing is to postpone your home purchase dream for a while since collections and judgements are real bad "dings" in your credit and will hurt yout chances of getting a mortgage.  You have to get a grip on spending and learn how to build and maintain a good credit score.  Credit Karma provides information and online tools to help you in your learning process.  Plan to start reading the articles (see the left side of this page) and getting acquainted with the financial tools.

First off, have you checked all three credit reports?  That is essential since errors are not uncommon.  Go to annualcreditreport.com and get copies of all three credit reports. If there is an error there (and I do hope you know to whom you owe money) file a dispute with the reporting credit bureau.  Do this check once a year so you can make sure all information on your reports is correct.

Next, you should know what the Statute of Limitations for collections is for your state (they are all different) so do a search for that and see where you stand.  Any debt that is past that timing is uncollectable.  The judgement is something that might take a bit longer.  Not sure on that right now.  If a collection debt is still not past the SOL, you may be able to work out an agreement with the agency for a "pay for delete" where you offer to pay them a certain amount to settle the debt in full, and they remove the debt from your credit report.  Do this in writing (as you should for all legal negotiations) and offer them at the beginning 25% of the claimed debt and you put this down as a dollar amount, not a percentage in the letter.  Keep copies of all correspondence in a file as proof of the negotiations.  You can go up a bit each time if they refuse, but keep trying.  

Get these debts cleared out and consider getting a secured credit card so you can build a good credit history, which will go very far in helping you to eventually get the house you desire.  It will take time, patience and some work, but you can do it.

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horrible credit

I don't know where to start and some items are incorrect and my payment history is missing. What do I do?

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