Posted by wally on February 25, 2000 at 11:24:37:
find the nearest off for consumer credit counseling service (CCCS). they are a group that helps people get their credit back on track by working out repayment schedules between you and your creditors. you pay them a monthly payment and they pay your creditors. get a copy of yuor credit report and make sure that you run every thing that is bad through them. they do have some limitations as to the type of bills they will take on. asfter you get your back stuff taken care of get a secured credit card and make timely payment or go to a bank and take out a sceured loan and make timely payments. this way you can start to rebuild your credit. there is no quick way of erasing bad credit that i know of. just cleaning up the back stuff and rebuilding a good payment record. make sure that you get a copy of your credit report regularly as there may be incorrect info on it, i had some ones elses judgement on mine at one time.