Hey all, I'am 23 years old and am in deep "stuff" if you know what i mean. I got laid off for about a 1 year and was not able to make any payments. Well to get to the point how do i go about leaning up my credit report? I went thru the phone bashing of collection agency's and settle with them. I have just receive copy's of my credit report from 3 major companies, Equifax,Experian,Transunion and do not understand "JACK SQUAT'! Please help!! help me get back on track The helpless young fool.
