Hello everyone... My wife and I just took the plung and are ready to get busy cleaning our credit up! We are FINALLY at a point we are not living paycheck-to-paycheck.. yeah!! With my wife having cancer surgery 2 years ago (she's OK) and myself having surgery end of last year... the road to (finacial) recovery has been a tough one... we are finally caught up on our regular monthly bills (we were paying a month behind - shut off notices) .. not good I know but it was the best we could do...
We have pulled both of our credit reports and scores from all three...
Mine are:
TU = 510
EQ = 493
EX = 553
The wifes are about 30 - 50 point higher than mine.. 
I know, BIG time messed up!! that's why we are here.) We are hoping that in aprox 3 to 5 years we will be able to buy or build a home.
I know, BIG time messed up!! that's why we are here.) We are hoping that in aprox 3 to 5 years we will be able to buy or build a home.Now to my questions...
1. What constitutes "incomplete information" when you try to get the CRA's to provide or remove?
I have quite a few that have "Not on Record" for the original creditor and Collection agency and contact information... how am I supposed to know who these are and how to get a hold of them? Can I get these "provide info or remove?"
2. I also have a judgement that is on one twice but different totals? It IS from the same creditor, first is when they sued us and got the judgement and the second is when they siezed our bank account with added fees for missing a promise to pay .. Long story.. LOL How do I go about getting this fixed? Do I contact the creditor? Their Lawyer? The Court?
There are also a few that I have no clue to what they are... I don't think they are mine so I'm going to contest them...
Welp, enough for now... I know this is going to be a LONG AND HARD ROAD but the wife and I are set on doing what it takes to clean our records up and increase our credit scores.
Thanks in advance for all of your input and future help! We'll be here for a while.. 
Dave & Dee
hi welcome
I was in your shoes not too long ago. One month ago a found this site and my scores have gone up so much since then. The first thing I did was print out all three of my credit reports and thing that I didnot know or think that was mine I disputed them threw the credit bureaus. The judgement I would call the court house and see if you can get any info on them. I also signed up for true credit monitoring service. they will let you know if you have any changes on your credit report. When I see a change then I would pull it from myFICO score. True credit are fako scores and they may be off. The real scores are the Fico scores. Anything that you may owe on your credit report I would send letters to them that if you pay it in full would they remove it from your credit report. Send everything in writing and dont send out any money untill you get their response. Look on this web site for how to type and send your letters. They have very good examples that you can use, but try to re word it to your own situation. You can also send out Good will letters asking the company to remove the bad stuff off your credit report. I save all my letters on my computer and if I dont hear from them I send out another one.
I do alote of reading and learning on this site. It a awsome site. I paid off all my collections off before I knew about this site and how you can send letters that you will pay if off if they agree to remove it from your credit report. Iam sure their are other people out there with better advice, but this is what I have been doing and it has been working so far.
Good luck to you
Anybody??