Report Where to Begin? in Credit Repair Posted October 10, 2017 I know this has probably been asked thousands, and if you have a thread you want to direct me to feel free. So, I have a fortunate situation in which a generous relative is offering to help me pay off my bad debt so that I can start the process of rebuilding my credit score but I am not sure how to begin this process. To cut to the chase I have about $16,000 in written off debt that is with third party collection agencies. $10,000 of this is from pay day loans, yes I know how bad these are, $5500 is from credit card debt and about $500 is from past medical bills that I completely forgot about. Most of the debt on my credit report looks legit Since these collections agencies seem to pride themselves on scare tactics, and deception, I am wondering how best to approach them and how much I should realistically be offering to pay given that the damage to my credit is already severe and knowing that most of these companies probably paid pennies on the dollar for these debts. The Pay Day Loans have gone third party within the past six months so they are very "fresh" but the credit card, and medical debts, are 3-5 years old but, none the less, are still getting reported. Funds are not unlimited, and I am realist in terms of my credit score, but, at a minimum, I would like to stop the harassment and stop these debts from continuing to be reported. I am not disputing the debts but, on the other hand, I don't want my relative to shell out $16,000 when I could have settled this debt for fraction of this and gotten the same outcome in terms of my credit score. Any advice will be greatly appreciated. Thanks!