I’m 27, and I spent the better part of mylife screwing up my credit in one way or anouther. I got married and help my wife screw up her credit even worst then she had it when we got together. A few years ago, I started talking to a creditor and made arrangements to western union them some money. I never heard from them again and more to the point anouther company rose in there place collecting for the same bill and stateing that they never even heard of my payment. This made me scared to pay anyone. I concitered doing backrupsy but was talk out of it. Now I want to make a real effort to fix my credit and buy a house. How do I get started. Is there some group or orginization that can help me concolidate my bills or at the very least tell me who I owe and the best way to pay them?
What do I do?