I need to clean up my credit so I can buy a house, how do I go about doing that?
Answer:
First, contact all three credit reporting agencies for a copy of your reports (in most states now consumers are entitled to one free credit report from each agency a year). Review it carefully, dispute any erroneous information either online or in the mail, and write a statement explaining any "issues" on your report. I believe you can write up to 100 words. Close any extraneous accounts and, if you can, leave a couple cards with low balance to credit limit ratio. It affects your credit score if your balances are too close to the credit limit. You can do this all yourself. Credit agencies are notorious for being unhelpful. I
Try to work out terms. I understand that on medical bills they will normally take 30-40 cents on a dollar. Good luck.
use a credit repair service
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