As you want to get debts off your credit report as fast as you can, attack the smaller ones first and then move your way up to the bigger ones. Things in debt collection: Make sure they are accurate and real, as I have helped people that sometimes did not owe the debt. If owed, debt collectors bought your debt for less then you owe, so that gives you room to negotiate to pay less as long as you set up a consistent pay schedule. I would go into it more but credit karma and need wallet are helpful. Don't go full cash everything unless you are really bad with credit cards as you will need a paper trail to build back up that you are a worthy credit gamble for banks. Some of my renters that listened to me on this, now bought the places they were renting from and some have rentals too. YOU CAN DO THIS!
