Question by atlantaboi3: I need to start fixing my credit?
I have ignored my credit problems for years. I don’t want that life anymore. I don’t want to be treated like a third rate citizen anymore. I want a house, a new car etc…
I don’t know what the best route is though. It is mostly all credit cards. There are couple other little things. I would 60% of the negative on my credit report is six years old. The rest is about 1 year old.
I know when you pay collections off it drops your score. I am ok with that if it will get better afterwards. Do I pay off all of them? After seven years all negative reports have to removed right?
I have two credit cards that are current and active. I know that will help boost my score too.
What is the best to start to repair your credit? I am overwhelmed and don’t know where to start. Thank you!
Also should I try to negotiate with the collection agencies? Do I need everything in writing from them?
Maybe yall know of some good books I could read?
Fast Credit Repair
Best answer:
Answer by starfairy181
Go to the forum section of http://creditboards.com and READ READ READ
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