General Credit Topics

[breezy16]

I recently checked my free annual credit report. I have 9 negative items on my report. Most of them are medical and a cable bill, all amounting to $4500. I dont have any credit cards or loans. Im just wondering whats the best way to take care of these negative items. Ive realized at 27 that I need to establish credit. Should i pay these items off individually, go through a company to help me deal with all this??? Im just confused as to the best way to start this process. Its frustrating. Any advice where to start?

[Shogun]

Hello and welcome to the forums.

Absolutely I know where to start.  Right here.  I invite you to visit our rebuilding thread.  Here you will find information to help you reach your goals.  I will post some links below to help you get started.  Feel free to post on the boards and we'll be glad to help you!  Good Luck!

http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/What-Steps-Do-I-Take-Do-I-DV-PFD/td-p/337142

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...

[breezy16]

Thank you so much. I really appreciate it.