Question about Credit Repair/Debt Settlement?
I have a bunch of negative, but unfortunately accurate, items on my 3 credit reports. They range in amount from a stupid little $ 28 to a whopping $ 6300 auto loan that is from 1995. What do i pay off? What do I dispute? Who do I contact first – Credit Bureaus for dispute or Creditors/Collection Agencies for settlement for removal? Will they really remove it from my reports? Do I deal with the the original creditor or the collection agency that is reporting it to the CRAs. My total debt is only about $ 11000, do you think I can turn my credit around? If so, how long do u think it will take? My scores are in the 540 range.