Need Advice!

Once an account becomes delinquent or charged off, it is generally given to a collection agency. Call your original creditor and inquire about status of the debt. Also check whether statute of limitation of the different debts has expired.

Thanks for the advice! Except I don't know who the original creditors are for most of these. And how do I check the status of limitations for debts? Are all debts different?

Congrats on your impending nuptuals! I wish I had started early on fixing my credit before trying to buy things! Good Job!

Have you gotten all 3 of your credit reports from annualcreditreport dot com? That is your first step to see exactly what you are dealing with.

I got a TransUnion Report, and printed that one off. I looked at the other two, but they were exactly the same, so I didn't waste the paper and ink. So now what?

Waste the paper and ink and print them anyway. You want to campare every tradeline on all 3 reports to insure they are reporting accurately. That's hard to do w/o printing them.

Okay, I printed the other two, and they all say exactly the same thing for each account. Now what should I do? Should I start calling the collection agencies, or should I try to find phone numbers and/or address for the original creditors? What do I ask for? What information do I need from them? I don't want to just pay them money without some sort of receipt or verification that I've paid them and that they will update the account on my credit report. Thanks for everyone's help!