There seems to be a lot of great info on here so I hope everyone can help. Its a bit long, but as detailed as possible!
Ok, I'll start at the beginning - Back in 2001 I had a rough time and stupidly I let a lot of bills go over without paying them. 3 CC's, a couple bills and a few late payments on a car. But I have had a school loan for $2000 that has been defered because I went back to school, and shows ok on my report.
So go back about 2 years - I ran my credit to start to fix things. Somethings I got cleared up - I paid a $2500 debt from Discover off at about half.


