It's great to find such a great resource created by others with similar issues and obstacles. So great I had to get involved to ask for some guidance. As many of you can probably relate, I was very irresponsible earlier in my "credit" life. Now that I'm older, credit is playing a larger role in determining the lifestyle I intend on living. I recently ran my credit report online and found the following deragotory comments: 3 charge-offs (Report Dates: 6/97, 9/01, 10/01, however, all payments that initiated the charge-offs were close to or prior to seven years ago) 4 collections (2 paid, 2 unpaid; 1 probably over 7 yrs. old) 2 entries from Household Credit Services (both revolving "pays on time" though I have no idea what these are for or where they came from. Some late payments on one of the accounts) What exactly do I do to have these all removed from my report immediately? Which letters to whom? Do I leave the HCS account that shows no deragotory information alone? The information that all of you have provided on this board is great but I want to make sure I handle these issues as effectively as possible. I don't want to make any mistakes. Any and all help would be appreciated. Thanks. Shawn.