After moving and settling in my third state with a steady job I am now ready to repair my credit. I have done so much research and have read so many blogs that my head is spinning and now I am confused and don't know where to start so any info or opinions would be helpful. Since I have had many addresses over the past few years I have not received any debt collector letters, but obviously have debt on my credit report. So without receiving letters that I am sure were sent I have missed the validation period correct?? Should I send validation letters? Ask for settlements? go with a credit repair company? have the credit reporting companies investigate the items? please help?!?
