New Contributor
Posts: 61
Registered: ‎01-30-2009
Re: Newbie in need of help

I'm certainly no expert, but have had some success with my process. First, READ,READ, and when your eyes start burning, READ some more on this site.  It helps get a plan in order.

I started with my most damaging TLs.  My collections.  I chose to GW the CA first. For me, it was a success.

Since yours are unpaid, I would try PFDs.  baby steps...while you're waiting on that, keep reading.  Everyone's experiences offer much info. 


Work on paying down your CCs as much as possible (down to <10%) also.