How Do I Get Started?

I have bad credit.  I was very irresponsible when i was younger.  I would like to pay off my debts now.  The problem is i don’t know where to begin.  The companies I owe money to don’t send me bills anymore and i don’t know how to reach them and get things paid off.  Where do I start and what is the best way to get my credit score up?

Steph

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Hi Steph,

Getting started is easy. 

The Fair and Accurate Credit Transactions Act (FACTA) makes it possible for you to obtain one free credit report each year.  Follow this link to obtain your free credit report from each bureau (total of three reports).

The addresses for creditors and/or collection agencies will be listed on the report.

The Broken Credit Blog offers a free 30 minute online seminar to teach you how to get started, so join us and Raise Your Credit Score!

Thanks for the questions.

Paul