my credit report looks like Sh**

[hoang817]

paid 22 bucks and pulled my equifax report and it looks like piece of shi**

score: 450

credit history: 7 yrs

Negative indicators: 10

note: all of these are charged off with $0 balance

collection: 4

inquries: 16 times (all 2013)

please help me...

#1  what to do first?

thnks

[AndySoCal]

First I would make sure everything that is being reported is accurate. Secondly I would suggest until your have taken the timeto work on your credit do not apply for any additiional credit.  What are the collection accounts for are they related to the charged off accounts?

[lmfields84]

start by making a detailed journal/list of each item, its status (open, closed, charge off, collection, etc...) and the balances due.  Then prioritize.  Attack the most recent items first.  it would help a lot if you post your journal and allow people to give you specific help on the negative items.

[FatBank]

Good advice so far. 90% of what I needed answers to, to fix my situation, I found researching and reading past posts on this forum. If you are willing to do that you will get moving in the right direction. Good Luck.

[Season79]

Stay positive... we have all been there and you have to start somewhere!! Good Luck!

[mechanicaljen]

DV your collections.