Don't know where to begin.

[keyown]

Let e start by saying hello.  I am 34 years old. My scores are 474, 474 and 531.  I want to iprove my credit and don't know where to even start.  Any help would be greatly apreciated. 

[Anonymous]

Step 1 - Go to http://www.annualcreditreport.com/

Step 2 - Pull your free copies of your credit reports from ALL three credit reporting agencies

Step 3 - Read the Rebuilding forums backwards and forwards

Step 4 - Start cleaning up those reports.

[Creditwiser]

What Creditfitness said    Get busy. And when you think you've read enough, read some more.!

[RBFool]

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@keyown wrote:

Let e start by saying hello.  I am 34 years old. My scores are 474, 474 and 531.  I want to iprove my credit and don't know where to even start.  Any help would be greatly apreciated. 

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What creditfitnesstoo said is right on the money.

Beyond that: One bite at a time. It's a learning process as much as it takes time. Credit is a marathon not a sprint. You have to research and learn to do what you want to do. Take your time and go slow. Ask for help but read/research and become comfortable with the forum. It's going to be your best FREE resource for this.

[keyown]

Thanks for commenting. I got the reports and I have about 8000 total debt, roughly 5500 is old medical bills. I don't have a mortgage, car is paid for, no student loans, and only credit card is an American express that I'm the authorized user on limit is 22000 balance is $31 if that helps

[keyown]

Had a old sprint phone bill for 500 paid the settlement price of 251 yesterday what do I do next.

[gagirl82]

You can try sending Sprint a goodwill letter and asking if they will remove the listing off your credit.

[keyown]

OK have to read up on goodwill letter and it was in collections with diversified do I send it to them or sprint