How can we cleaning our credit?
After about 5 years of being broke and ignoring my debt, I want to start chipping away at it and get my credit back up. I need some advice on the best way to do that. The pay for delete sound too good to be true, does it work? My report shows a few companies that have charged off and the agency that is collecting, would it remove both or just the collection? Most of my debt is older and due to be off of the report in the next 2 years, If I just wait is there anyway for them to keep reporting it after the 7 years? Any advice would help, Thank you.