Newbie in need of help

[Anonymous]

I want to improve my credit, and I'm not sure what to do. I have 7 CCs (I know way to many) 3 of which are under GEMB, 1Macys Visa, and the revolving; City Furniture,and 1 Citi/Sears, 2 unpaid collections (1 of which is only $227.00 ((not sure from who CR does not say, and the other is from an old apt that I had to break lease on $2,099.00. No car loans; I hope to buy a home in the next 1.5-2 years."

Waiting patiently for all advice.

Message Edited by Ready2Rebuild on 09-10-2009 09:21 AM

[Simpleton]

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.

Simpleton

[Anonymous]

Thank you I appreciate it I have a sample PFD here that I am working on for the Collection accounts.

 Again thank you!