CBJ Recovery :$119 (medical from 2005) CBJ Recovery :$606 (medical from 2005) Credit One :$623 (Credit Card, 2008) First Premier Bank :$371 (Credit Card, 2008) General Revenue Corp: $79 (have no idea what this one is, from 2008) LVNV Funding LLC: $670 (was an HSBC Credit card, 2008) NCO Financial: $414 (Sprint bill, originally from 2001, but they're saying it's from 2005 on my report...I disputed this one) Portfolio Recovery: $607 (medical, 2008) Portfolio Recovery: $1,467 (medical, 2008) RJM ACQ LLC: $153 (charter one account? Could've been a credit card...I settled this one for $46) West Asset Managment: $1,966 (not sure, but if I had to guess, medical bill from 2008) So, there's my credit report. Ugly, I know. I honestly didn't understand the importance of credit until this year. I wouldn't have been so stupid with those cards in 2008, and I definitely wouldn't have listened to the people who have told me medical bills don't affect your score, cuz I know now that they do!! Anyways, I'm really ready and finally able to pay off these debts and start rebuilding my credit. Yes, I've screwed up in the past, and bad. But now that I understand where good credit can get you, I know this is something I have to take care of. I just don't know where to start!! I've paid one of them, because the RJM kept sending me things to settle, so I did. But what should I settle next? Credit cards or medical? Should I try and get them to settle for less like RJM? Is there anything I can do to start rebuliding my credit while I'm in the process of paying off these debts? I really want to prove that I can be responsible with credit and that I understand its importance. My total debt is $8,536, which I could pay with my savings account right now. However, I'm not going to do that if I can settle some of these for less, or if it's not going to do me any good in improving my score. I just really need some guidance so I can get back on the right track! Any help/advice is greatly appreciated!! Thanks in advance!