If you are current on most bills, but have outstanding judgments, collections or "charge offs" (bad debts that the creditor has reported to the credit bureau as uncollectable) you need to address these before you move to the next step (credit repair).
The answer to dealing with these old "bad debts" is negotiation. You can negotiate on your own behalf or hire an attorney to do it for you. Visit the Credit Center for information on negotiating old debts.
You may be able to negotiate a lump sum settlement or you may need to negotiate a monthly payment. In any case, once the debt is "current" you can move to erase the negative information from your credit record and rebuild your credit. Return to Main Page.
