Hit rock botttom......

[Anonymous]

Today I realized I was in a bad spot when I tried to apply for a secured credit card but was denied. I have a great paying job but have made horrid credit mistakes over the 6 years ago that I compltely neglected.  From skipping out on student loans to having multiple accounts in collection, you name I ignored it.

Now Im stuck figuring out where to go from here? I want to do the best and repair my credit as well as get approved for any sort of credit card. I did some searching and it looks like you guys have a wealth of knowledge that could possibly help me out....

Where do I start , want do I need?

Start by posting credit scores?  Whats next?

Please help!

[Shogun]

Well since you've hit rock bottom, there's no way but up now.   Go to www.annualcreditreport.com and get your yearly free CR.  This isn't one of those "FREE" if you pay things.  It's legit.  Once you've done that, we need to see what's listed.  Scores don't matter right now.  If you're in that shape we will worry about scores later.  Get your reports from the 3 CRAs and let's go from there.

[Anonymous]

Ok, so I've got the TU and Experian - waiting on the other to get mailed.

Should I just copy and pate the problematic accounts here?

Looks like each are showing 6 negative accounts.

[Shogun]

Yes.. paste them off here.  Make sure to delete account numbers and any personal info.