Get Out Of Credit Debt

I just turned 22 and I want to rebuild my credit. I joined a group of debt (about 6-8k) when I was 18 and I have several creditors, but I'm not sure who all I do and what the amount is. I have no idea where to start but I'm starting to save my money for this option.

Please help me I'm lost! (

Make a copy of your credit report.

The easiest way is to obtain a free credit report, they have access to your creditors, you can find these on-line. Type) free credit report) on the search window. They are truly free!

View Website Federal Trade Commission. www.ftc.gov You can get a "free" copy of your credit reports once a year. Get all three. Contact payments to creditors and store.

Do not pay for a credit report, they are free once a year. Do not go through or credit service companies that "cure" your bad credit. Do it yourself, most of these companies are scams and schemes that are generally false.

Go good luck getting out of debt, stay out of debt. See www.daveramsey.com

Start here: www.annualcreditreport.com (it's free, and no 30 day trial)
See all 3 credit reports, Equifax, TransUnion, Experian.
You will probably see very bad information on your delinquent accounts. The fact is however that you've probably done as much damage already. You can try to contact their credit and see if they would be willing to change / adapt your info for bad credit in exchange for a payment schedule updated. Get other inputs, but it is possible that you could pay all debts in full tomorrow, and still see no improvement in your credit score. It is a very important issue for you, pls do not just take advice from people on this site, ask professionals, e-mail Suze Orman, make sure you follow a good plan.

First, you must obtain a copy of your credit file (preferably all three reporting agencies) and then determine if the information is correct before you just pay. You can challenge the information if you feel it is inaccurate. You can also contact your debtors and try to reduce the amount you pay them. Many times they are willing to take half as they have at least something. Do not talk to those who have saved money to pay them, they will try to take advantage of this information. Just tell them that you try to repay your debt and want to know if they are willing to work with you on payments and the amount due. Sob stories help, but do not get too carried away. Good luck!

You're on the right track by paying your debt. I found a site that I use often and it offers a free credit repair ebook. You can view them http://www.your-credit-solution.com . Their ebook explains everything you need to know to get started on the road to recovery. Good Luck. ;-)

Get a credit report. It lists all the credit companies that you had with you and tells how each. Contact your creditors and tell them that you want to start paying, and then do it! Sending a little better than sending nothing. Try to negotiate a lower interest rate. If you have a job, you may be able to get a loan to consolidate debt from your bank or credit union. Once you are debt free recall ever paying more in one month, then you can pay in a month.

The first step is to take seriously. Gather all your bills and financial information and make a list of what you owe and to whom. Next, determine how much money you make each month and how much you spend. Reduce your expenses if you have some money left over. Put who has more money to your little debt each month until paid. .