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confused and frustrated. help please

New Member

confused and frustrated. help please

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?

Message 1 of 3
Moderator Emeritus

Re: confused and frustrated. help please

Hello and welcome to the forums.


Absolutely I know where to start.  Right here.  I invite you to visit our rebuilding thread.  Here you will find information to help you reach your goals.  I will post some links below to help you get started.  Feel free to post on the boards and we'll be glad to help you!  Good Luck!




Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 3
New Member

Re: confused and frustrated. help please

Thank you so much. I really appreciate it. 

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