First post, and I'm sure I'll be unintentionally either a.) asking a question that's been asked a thousand times or b.) violating some message board rule...in either case, I apologize ahead of time. So, how does one understand all the various items on a credit report? I'm sure some are negative and some are false negatives/positives. Do I sound confused - cause I am! 
Anyway I've signed up with an agency that consolidates all my collections stuff which they then pay off, but they don't really attempt to perform "credit repair" per se. I was also recently denied a secured credit card which I didn't think was possible since I'm "securing' it with my own funds...If there's a kind hearted soul that would be willing to give some advice on understanding credit reports, etc to a noob (that would be me), it would be greatly appreciated. Thanks
