Hi, I am brand new to this forum, but i have been reading a lot of the posts for the past few days. I am not asking for an all in one solution to my problem, but here it is... I had a few debts that i incurred over the past few years in the $15-20,000 range. I went into collections on all about 1.5 years ago. I kept getting harrased, but wrote a C&D letter to all that called me, and the harrasment stopped. I decided to pay back one of the debts (highest one) and struck a deal for a very low percentage. I have paid it off on time every month for about a year, and my equifax score went up from 533 to 558 in the past year. My question is this: Most of the people here on this forum seem to be disputing debts that weren't theirs. I know these are mine, but i can't afford to pay off more than the monthly payment on the one that i am paying in full. Besides them, they have all been discharged in the past, so why bother rehashing them. What can I do if i want to repair my credit? Am i going to have to go back on my hands and knees to each CC company to strike a deal to pay off everyhitng, or do i just wait it out. These debts for the most part went past due at least 1.5-2 years ago. BTW, I live in NY. Please Help Me.
