repairing credit. looking for best options.

Credit repair pretty straight-forward. It just might not go as fast as people think. First, no more negative information. Next, pay down credit cards to as close to zero as possible, and keep the balances low or zero. You DO NOT need to charge up and pay down to build credit. Pay off collections. Many find it easier to start with small balance ones, and work up to large balance ones. Another big tip is to pay the most recent ones first. Some of the really old ones can be just left alone in many cases. Square up on any judgments. Finally, establish new credit if you don't have any current credit. This is especially important as the credit reports see's your old negative stuff, but want to really know how you handle things today. For most people, credit didn't get wrecked overnight, and repairs may take awhile. But if you do nothing, nothing will change. If you do something, something will change, and usually for the better.

it may hurt in the short run and help in the long run ...tips - keep current .....keep revolving account balances under 60% of max limits ....keep a min of 2 accounts open / active / current ...close any accounts not needed or not used