I recently checked my free annual credit report. I have 9 negative items on my report. Most of them are medical and a cable bill, all amounting to $4500. I dont have any credit cards or loans. Im just wondering whats the best way to take care of these negative items. Ive realized at 27 that I need to establish credit. Should i pay these items off individually, go through a company to help me deal with all this??? Im just confused as to the best way to start this process. Its frustrating. Any advice where to start?