Don’ t know where to start. PLEASE HELP

Tips and Deals Forums Consumer Credit Improve credit Don’ t know where to start. PLEASE HELP

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    • #222711
      Anonymous
      Inactive

      Hi guys, I am ready to face my problems and fix my credit score! I went through a bad divorce, loosing my job…. etc.* My credit* score about 2 years ago was somewhere in the 700 and know on karma.com is showing a 490 score.

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      I don’t know where to start! I am most definitely wanted to pay all my debt, which is most likely all due credit cards ($4800).*Can someone please tell me where to start, in regard to seeking a settlement, writing goodwill letters or pif? Do I start with the smallest owed balance on my report?* I certainly can’t pay all of the creditors at one time. What is the most effective way to get my score back up?

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      Here is my report>

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      TU

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      Balance $345 – Charged off as bad debt. Date opened 12/2007* Closed 09/2010

      Balance $585 – Charged off as bad debt. Date opened *04/2008* Closed 02/2010

      Balance $349-**Charged off as bad debt. Date opened* 04/2008* Closed 06/2010

      Balance $792***Charged off as bad debt.* Date opened* 11/2007 closed 06/2010 date paid 02/2010 pay status 120 days past due showing up twice on my report with atlantic credit – account type – open account, collections

      Balance $ 104 Charged off as bad debt. Date opened 07/2008 closed 10/2010

      Balance $1821 Charged off as bad debt. date opened 09/2006 closed 11/2010

      Balance $259 > 120 days past due

      Balance $306** charged off as bad debt. date opened 12/2008 closed 05/2010

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      Where and how should I start please help!*

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      Thank you

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