Where do I begin?

[sutherngyrl00]

I have horrible credit that I would like to get back on track, slowly bust surely. Aside from student loans, I have various medical bills, accounts that have been charged off that appear twice because they have been sold, and credit cards that I let go when thins got at their worse. I also have a lien from the state of Texas on an LLC that I once owned a couple years ago, but went out of business. Can anyone give me advise on where to begin? What would really be awesome is if I could get directed to a step-by-step guide that would be useful. 

Ay advice would be greatly appreciated!

THANK YOU ALL!

[eric19k]

Start one by one. First you need to know is it within SOL or not. Then get as much information you can in order to successfully delete tradeline. 

So start searching SOL in your state

[spike69]

There are so many great people who will help on this site. To get more specific answers to your concerns I recommend you list out your "baddies" who they are with, the amount, date of delinquency, status (charge off, collection). Many will come along to help!

[sutherngyrl00]

In Texas, it is 4 years from the last payment. 

[sutherngyrl00]

Thanks spike69. I will do that once I get all my reports merged

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@spike69 wrote:

There are so many great people who will help on this site. To get more specific answers to your concerns I recommend you list out your "baddies" who they are with, the amount, date of delinquency, status (charge off, collection). Many will come along to help!

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