Need help!

It's nice to know that you want to correct the previous mistakes. Pull your latest credit report from the three CRAs and know the latest status of the accounts along with the outstanding balance. You may give a call to your creditors and work out some arrangements with them. Make sure that you know all the accounts are reported correctly in your credit copy. If you see any disputed item, notify the bureau that is reporting it and get an investigation done. They will verify it with the data furnishers. If your dispute is found correct, they will remove the negative item and send you an updated copy.

Welcome to the Community :D I,too, am glad to see you ar taking responsibility for past mistakes. If I would have done that earlier in life, my credit would not be a mess at the age I am now! How long has it been since you have paid on them? I would see if I could get them to remove the items on your credit report, or at least report paid in full, if you pay them off.Feel free to ask questions, we are here to help guide and support you in your way to becoming debt free ..KAren