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I left college in 1998 with a bunch of student debt and credit card debts. My cc accounts were sent to collection and I paid off some of those already, rests are still behind me. Meanwhile I took few payday loans. These payday loans are really sharks, you know, they create a circle of debts and I was trapped. Long story short, somehow I managed to pay these payday loans. Presently I owe credit card debts and student debts. Credit card accounts are under collection, but nobody ever contacted me for these student loans. Please suggest me what can I do to improve my credit. BTW, I am with a nicely paid job right now.

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