How to fix credit and raise credit score?

I'm trying to fix my credit and raise my credit score what are the steps to do that. I read that if you have any debt on your credit report over 2yrs. do not pay it because it lowers your credit score. Is this true.

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How to pay off Derogatory items on credit report, increase score?

I have some old key Derogatory reports in my credit report. Is there any way to pay these off to increase my credit score? Someone told me if you pay them off, it will still show negative on your credit report. What is the best course of action? I have under ,000 in negatives on [...]

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How to pay off Derogatory items on credit report, increase score?

I have some old key Derogatory reports in my credit report. Is there any way to pay these off to increase my credit score? Someone told me if you pay them off, it will still show negative on your credit report. What is the best course of action? I have under ,000 in negatives on [...]

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debt consolidation?

What is the best company to go through for debt reduction/consolidation? I have about 6 credit cards and they are all at their max, and I am only 21! Now before you go judging me and telling me not to spend my money on shoes, this was all for school, basic living expenses, and to [...]

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