It wasn't AS bad as I thought. none of my accounts have been charged off, supposedly, I have 3 in collections and one past due (which i paid off!) I have 4 30 days, 3 60 days, and 1 90 days listed No credit card comapany will give me credit, which is FINE by me right now. The transunion only has 6 inquiries. I plan on ordering copies of all 3 credit reports and begin the process of disputing and settling, hopefully with a good attourney. I don't have enough money to pay off all the debt, otherwise, I would have a long time ago What should I do RIGHT NOW to build credit? I read an article that suggested getting a secured loan through a 500 dollar savings account at the bank. Can I do this? I have a savings and checking with pretty good history (i.e. I bounced 2 checks this year and they paid them) If I did this, would it be wise to THEN take that loan money, and go with a secured credit card? I would then have 2 revolving lines of credit that I would be able to PAY. I am trying to get my credit rating good by April 2001. My boyfriend has perfect credit, and mine is shabby. We currently live in a basement apartment of a friend's house, but would like to get our own apartment by then. I don't want to be a burden by forcing him to get the lease in his name. Actually, the saddest part is, we would probably get married next year if my credit wasn't so bad. :-( I don't want my negative credit affecting anybody else, because I was simply young and irresponsible. Anyway, advice would be appreciated!