hello everyone! im new to the board, and in need of direction. i got hurt in a car wreck in 2011 and my credit went to hell. anyway’s, im now needing to get a home loan and cant. i want to fix my credit and pay my debts. i have 2 repo’s from wells fargo and one from harley davidson. 3 credit cards with small balances and a few medical and misc. other collections. im paying on my wells fargo and they say they will update my credit when paid in full. however i have nothing in writing stating that. do i just start contacting collectors? my score is 536 tu and 528 equifax. i have a few accounts in good standing. im lost as how to tackle this.