How on earth do i go about fixing my credit?

my husband and i both have bad credit, medical bills, unpaid credit cards, and a repossessed vehicle between us, all of these debts are years old, for the past couple years we havent had anything bad on our credit, we have a car we pay on and we just pay cash for everything else, we would like to buy a house within the next couple years, and my question is how can we repair our credit the right way, i know the first step is im gonna get a copy of both of our reports and see exactly what weve got, but whats next? do i just have to call all the creditors and make arrangements? will they even work with me considering these bills have been ignored for so long, hope someone has a clue bc i sure dont, thanks in advance.How on earth do i go about fixing my credit?
Step 1: https://www.annualcreditreport.com/cra/i



Every state in the union has signed on to let everyone get a free credit report once a year. That's the site you get it from.



Step 2: www.suzeorman.com Read her book - ';the Money Book for the Young, Fabulous and Broke';



Step 3: Work through her plan - it's free with the book on her website. She's amazing! it might take you years to do it, but it's worth it.How on earth do i go about fixing my credit?
Now you know what you need to do, here's the how I found.



http://annettes.lifetimewealthandwellness.com



Hey, this really works I am living proof!
You've got it right. First you need to know the current status of your credit. Get a report from all three major reporters (Equifax, TransUnion and Experian)



Don't get a ';three in one'; report, get the real thing from each place. You might even be able to get a free copy depending on where you live. The ';Three in one'; makes it harder to report errors.



Then you need to make a battle plan for which bills to pay first, and how much. There are some credit repair assistance places but I would beware of the for-profit ones. There are alot of scammers out there that take advantage of people trying to fix their credit.



You have more of a clue than you think. ;)
First of all you have to find out if any of your debts are past the Statute of Limitations, (the time creditors have to legally collect on the debt). If they are, then you don't have to pay them. Educate yourself about credit, Go to www.creditboards.com and READ all you can about credit repair. It's time consuming, but so worth it. I have been repairing mine as well, and slowly but surely, it's getting a little better. And the best advice I could give you, NEVER believe (or pay) a collection agency.
Try this book it is really informative and gives allot of resources the author is Robert Kiyosaki and the name of the book is The ABC's of getting out of debt. It should help you allot.
U may end up paying then one day u will have good credit
i wouldnt call the creditors, or if you do, one at a time, cause you can open the flood gates if your not careful.

if you really intend on paying off your old debt, do it one at a time, figure out if you can pay one item off in full, or do you need to make payments. if you can pay one in full, call that creditor, tell them you want to make a deal and they will deal with you for maybe $0.50 on the $1.00

if you cant do it, read this kids blogs, they are really helpful.



http://www.myspace.com/homerefinance



he really knows a heck of alot, and all bankers know how to deal with creditors.
Go to www.annualcreditreport.com to access all three reports. Within each report, you will be able to dipute negative accounts online. If the creditor does not respond within 30 days, the credit agency removes from your report. This is great for the accounts past 7 years or that you have paid but has not yet been removed. You can also contact the companies that you did pay and request they remove it. And, you can make payment arrangements on current accounts so you can eventually have removed.

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