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nana32216

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where do I start to make my credit better? Which do I pay off first?

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Need more info.

To provide more definitive advice, having more info would be key.

That said, some advice anyway.  

1.  Are all the debts equal?   Are they all credit cards?  Or do you also have auto loans?  student loans?  etc. 

1b.  Are they all listed as "open"?   Or are some listed as "closed/charged-off"?

2.  When was the date of first deliquency on these accounts?  This is important, because the older a debt is, the less it "hurts" your score.

3.  What state do you live in?  This is important because in some states, the statute of limitations to collect on a debt is less than the 7 years you often hear.  This is a fairly straight forward way to have an "old" debt removed.  A collection agency will validate your debt, but at the same time admit that it is too old for them to sue.  The form letter that most of them use will include some variation of a line:   "Because of the age of this debt we will not sue you for it or report this to a credit reporting agency."   Use this letter, highlighting that key phrase, and dispute the listing with the credit reporting agencies.

Anyone that you are willing to PAY, try requesting a PAY FOR DELETE.  Collection agencies are sometimes receptive to this, as the most important key to them is collecting on this account.  Get any agreement in writing BEFORE you make any kind of payment.

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