Ok, I recently got my credit reports from all three credit bureaus, and they're showing that I'm in default by approx. $4,000. I was careless and neglectful for a few years, and I want to pay off everything and start bringing up my credit score. I'll be dealing with 7 or 8 different creditors. But I need some tips before I begin.
Here's my situation: I've set aside $2,500 that I hope will pay off everything. I don't want to have to make monthly payments. I just want to get this all behind me and start over.