Starting the journey to rebuild my credit from horrid credit

[zsepthenne]

The Servicer of your loans should be able to help you with what your payments might be. Please stay on top of your loans, I ruined my credit from defaulted school loans and not investigating my options at the time and truly regret it :-( feel like I'm going to be haunted forever!

I think I'd wait a few months to GW your car loan holder until you get some consistent payment history.

[WhiteJD41]

Okay just a few minutes ago I have talked to Fedloans and I have took a deferment on my student loans so it should start tomorrow so far so good.  

[WhiteJD41]

Okay so here is an update from where i am currently at on my credit report i have 5 collections accounts on my credit reports here are the ones left

CBC - MAR JOE ENTERPRISES DBA

MED1 02 EMERGENCY CARE PHYSICIANS

$87

DIVERSIFIED CONSULTNTS

Directv

$147

ENHANCED RECOVERY COMPAN

Sprint

$379

FIRSTSOURCE ADVANTAGE LL

MED1 02 JOHNSON CITY MEDICAL CENTER

$1,462

REVENUE RECOVERY CORPORA

MED1 02 JOHNSON CITY MEDICAL CENTER

$826

I am currently trying to figure out what i need too do with these because i have disputed them and the sprint one was took off along time ago and it has popped back up with a different company.

[WhiteJD41]

Update score as of 02/25/15 Experian: 546, Equifax: 536, TransUnion: 560 i have one secured visa from local credit union amount $300 and another one on its way from capital one $200 also have my student loans up to date car payment up to date only $832 left on the car loan.

[Quizo]

nice progress, keep it up

[WhiteJD41]

Thanks i have applied to another capital one secured card and was approved now i would have three secured credit cards.