I just stumbled upon this forum yesterday and I am amazed by what I've read so far. I started pulling my credit reports, just last year. So far, I have been able to get a couple of duplicated collections accounts and a large debt bill removed. However, I have a foreclosure, a dismissed chapter 13 from 2006, a judgement against me for $1435 from 2003, and a $966 bill from an old apartment complex (my ex and I split; i left and he stayed) back in 2005. For the last couple of years, I've been trying to play catch-up. I admit that I was careless with my credit, since I got my first card at 18. I want to get as much cleaned up as possible. $4475 is what I owe per my last credit report pulled 1/11/08. I need to know where and how to start. I thought that there was nothing that I could do about all of this, but reading this forum has given me hope. Please help!