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Bigshirley73

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where can i get help to clear my credit and start over

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Check Dave Ramsey's site.  Many here recommend him and I have heard good things, too. DO NOT PAY anyone to "fix" your credit because too many of those sites are unethical, doing more harm than good.  You don't want that. And bankruptcy is a bad idea since you would have to totally rebuild your credit again after 10 years and that is not that easy.  Better to find good ways to repair the current damage and build from there.  You can do that.

Also read the information on this site, because it's good, and explains credit very well.

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