get a copy of ur credit report it should have the info on how to get in touch with the creditors. sometime u can call them and work out either payments or come to an agreement on a settlement.

Do what I do…………………dont payem. I tried payin on a bill I had for like 2 years and I was just payin the minimum balance every month. A year later my balance was the same as when I started payin. I noticed that when U start payin on them they add more to it than if you dont pay. My advice if U really wanna pay it off is save the money yourself that you would pay 2 them til U get all of it them pay. Or just say FU@K it and file 4 bankrupcy

Get a copy of your credit report, organize it by what can be paid or easily paid off first, then the higher bills call; them and come up with a payment plan. Whenever you pay off a card you need to ask for a letter stating that it was paid in full and at zero balance. If any of them are credit cards Just as an FYI, you can close the account that will NOT kill your credit. Your credit is based on having credit lines and how you pay it. Credit history stays on your credit report for 7-10 years depending on whether the credit history was in good standing or had poor history. The way to keep your credit rating up is by having open credit cards and or loans. With credit cards, you should have no more than 3-4 credit cards, NEVER pay just the min. always pay more, double if possible. Do not always pay it off at the end of the month, you need to show that you can handle credit, so the best thing is to pay it off but everyone now and then keep have a balance roll over to the next month and pay as much without paying it all, then the third month pay it off as just keep repeating. A suggestion I give many clients about credit cards, have one that has a somewhat high limit $3,000-$4,000 use that for EMERGENCIES only, don’t keep it with you cus you will feel tempted to use it, have another card that has a limit of no more than $200-$300, keep this with you use it to put gas in your car, groceries and small dinner normal things that you know you have to purchase and then pay off right away, and finally have a dept store card and keep that at no more than 200. You can tell credit card company’s NOT to increase your limit, and if you are the type of person to get carried away this is a great option. Another thing, opt out of getting the prescreened credit card mailings, you can go to http://www.optoutprescreen.com to permanently stop having credit cards pre approve you. It will increase your score a few points, and it keeps the temptation away! you don’t want to have too much penitential outstanding debt, keep it under control and don’t buy what you can’t pay off in a few months UNLESS it is an emergency purchase, car repairs, a home appliance that needs to be fix or replaced, and at that point try to always send MORE than the minimum payment. Credit card minimum payments cover the interest ONLY that you incurred that month. Loans and credit cards need to be paid ON TIME every month. And if and when you lets say you look to purchase a home, you need to have credit… do not think having NO outstanding credit is good on your score.

THE KEY IS TO SHOW RESPONSIBLITY!!!!!!!!!!!

Contact your creditors, negotiate a monthly payment, pay on time, (double up the payments if possible) and stick with it. If you are in a position to negotiate a reduced amount to satisfy the balance, i.e., 50 cents on the dollar, then do that and pay it off. Try to avoid debt consolidation loans, as they only exacerbate the problem, not fix it. Also, stay away from “credit repair” companies. Affiliating with them shows on your credit report negatively also. For some basic guidelines, check out Dave Ramsey’s book, “Total Money Makeover”. He’s got some excellent tips. Good luck.

Credit Repair.

First, make sure all the information on your credit report is accurate.

Second, try to pay off all or any accounts that are currently in collections or make payment arrangements with the creditor to pay off the balance monthly.

Third, any credit card that is over 50% of the available credit line should be paid down to under half of your total credit line. Your credit score is lowered when your available balance is over 50% of your total credit line.

Finally, if you have bad or no credit and have no credit cards try to obtain two credit cards and make sure all of your monthly payments are made on time. This will help increase your credit score. If you cannot be approved for a unsecured credit card, obtain a secured credit card.

Repairing your credit and improving your credit score is a slow process that takes time. Just be patient and follow these steps and you should be on the road to better credit!

Credit repair is the answer. . Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.