I joined today hoping to find some help with my credit situation. I was able to pull my TU report but had to mail away for EX and EQ, so I'm waiting on those. Basically, aside from some piddly contact detail errors, I can't find anything factually incorrect about my report, so I personally don't have a basis to challenge anything outside of a couple of items that wouldn't make a difference anyway. (a soft pull and the aforementioned contact detail removal) I have some old loans that are severely delinquent -- one that is in rehab; the other is a private student loan being listed as a charge-off, "transferred to recovery" and is being reported as such with "120" each month for several months now. That one bothers me and here's why: I have heard that it will do no good to pay a debt once it has been charged off in terms of improving one's score. I could try to settle with the OC for a percentage of the total in exchange for the information being deleted from my profile, but I'd only do that if they completely remove it all and never speak of this again. It would help in terms of avoiding a lawsuit, but if the SOL began at first delinquency, then it should be nearing the end of that time for it to be legally collectable. (I don't want to jinx anything by writing that) As far as I can tell -- and my morality will allow -- the only thing for me to do is wait for these things to fall off my credit report and apply for a secured card to establish some good payment history. I had a credit card years ago that was closed by the creditor due to inactivity and I haven't had one since. When I was a kid and saw how much of a hassle credit was (no education about it), I figured, if I don't have a credit card, I won't have to worry about credit. Boy, was I wrong. I have heard that anybody can challenge any information on a credit report, but I just don't know if it would be worth it since I know it's true. I wouldn't know how to challenge anything being reported as inaccurate, etc., nor do I have confidence that if I did, anything would be removed. Also (and this is not a shill; I have been looking at books and things), I heard about the Credit Repair Intelligence Guide and was wondering if anybody has used it or whether it's reputable. Any thoughts and suggestions about my situation would be helpful. If you need more detail, let me know. I just don't see this changing outside of time. If time were to heal this, it would take another 2-3 years before most of these items come off (assuming the CRAs do their job). I do think that a secured card would be the only saving grace at this point. I don't really know what to do anymore, to be honest. Thanks for your time.