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Old 11-06-2009, 06:44 PM
Trish Trish is offline
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Join Date: Mar 2008
Posts: 1,673
Trish will become famous soon enough
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Hi Cody.... Welcome

I understand if you have that many derogatory accts, it may seem overwhelming. It is possible to do things yourself.....but in the end it's totally up to you and what you feel comfortable with.

I personally started out with about the same credit score as you with over 30 negative TLs....most of them were medical.
It has taken some time and effort but I am now down to 2 negatives and have increased the number of positive TLs which has gotten my score up almost 200 points. It can be done.

Start off here by reading this:
Basic Step by Step Beginner's Guide to Credit Repair

It kind of breaks it down for you step by step and lets you know where to start.
If you are feeling lost and need help prioritizing/triaging your reports, you can post questions for guidance.
One good thing going for you is..... if everything is out of SOL, then at least you don't have the fear of being sued (I was not so fortunate...). The other thing that will help is your ability and willingness to pay if necessary. Some of the creditors or collection agencies may be willing to settle for less since they are several years old. Some may be very easy to get off of your reports........others will try to stick like glue......but it's always worth trying.

ANYWAY...... start by reading and looking around on the forum for similar situations. Feel free to post questions and we will do our best to help you.....whatever you decide.
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