First, thank you for taking the time to read my situation... I got into some trouble with credit cards two years ago,when I was 20, and now I have gotten to the point where I want to repair my credit. In total I have a 2300.00 dollars in debt combined from 5 credit cards according to my Credit Report I pulled up tonight.. They are valid debts, and in statue of limitations. One was: a Profit and loss writeoff, one was :Closed by credit granitor, one was :Purchased by another lender, one is :Closed by credit granitor Last one is : Placed for collections. The above accounts are what is listed a