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Posted in Paying Your Bills
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Question By
zook8u

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Where can I get someone to look at my credit report and give me a step by step plan to fix it?
My credit is a bit of a mess from my youth. I'm 25 with a family and I want help fixing my credit because everytime I look at my report it's just too much to figure out where and how to start.

I have a mix of collections mostly smaller.
1 is a credit card. (1400ish)
2 are utility bills. (250 total)
6 are medical. (2000ish)

I had a student loan go to government collections (How can I get this loan back so I can pay it and get that off my report?)(3000ish)


I know my collections look really bad and kill my score because I've paid EVERYONE on time for the past year. (I didn't have credit type bills for 3 years after my last card was closed.

which ones are most important to get off my account? I just want to have credit again. I hate being a 575 score after knowing how much easier life is with a 740.

I pay 4 college loans perfectly every month. plus my car payment is always on time but it feels like it's going to take forever to get back over 650 and beyond.

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Please read this...

Helpful to 1 out of 2 people

This article is very easy to understand and give you a great starting point without you having to spend a dime on anything. Also, you can always get all three credit reports (one at a time) once every 12 months for FREE at www.annualcreditreport.com  Here is the article:     http://www.debtsteps.com/credit-repair.html

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