Credit file and credit score repair.?
I have recently checked my credit file with all three agencies.
There are two negative records on it from couple years ago. Two files were turned to different collection agencies ($ 600.00 and $ 300.00). Both files are legitimate and I am not in position to dispute those. None of collection agencies contacted me yet. However my credit score is obviously affected by negative records and I am thinking about settling those. What is the right way to do that?