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I would like to start repairing my credit


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For TLs w/ the OC, dispute w/ the CRAs first. For collections, you will need to read up in the Collections forum to decide which way is best to handle it (either by DV, PFD, or using the 1-2 punch). Spending just an hour isn't enough time to allow yourself to get started. Keep reading. You'll get there.;) Also, you may want to seriously consider purchasing the book, "Good Credit is Sexy". It's WELL worth your $ and can direct you along the way a lot simpler than the site can.

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