[theoneuafter]

Where to begin?
I just recieved my free credit reports that are allowed yearly, I have yet to recieve my reports directly from each CRA, so as of now I am working with these. I do not know my credit score.

I'm 33yrs old, This debt was incurred in New York State, HOWEVER I just moved to New Jersey This Past October.
Here Goes;

I'm starting with Equifax.

4 negatives
1 Collections
1 Judgement
1 Public record

1st Neg.
Utility Company
Individual Acct.
Date opened: 07/2003
Date reported: 12/2007
Last payment: 9/2003
Major delinq 1st reported: 3/2004
Balance: $1,560
Past due: 1,560
Acct. Status: charge off
Credit limit: $0
Months reviewed: 29
Type of Acct: Open



2nd Neg.
Individual Acct.
Date opened: 9/2003
Date reported: 9/2006
Last payment: 1/2005
Major delinq 1st reported: 9/2006
Balance: $0
Past due:$0
Acct. Status: charge off
Credit limit: $0
Months reviewed: 34
Type of Acct: Installment
Secured Loan
Charge off amount: $3907



3rd Neg.
Verizon Wirreless
Individual Acct.
Date opened: 7/1994
Date reported: 11/2007
Last payment: 1/2002
Major delinq 1st reported: 7/2006
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 16
Type of Acct: Open
DISPUTED ONLINE



4th Neg.
Verizon Wirreless
Individual Acct.
Date opened: N/A
Date reported: 6/2006
Last payment: 1/2002
Major delinq 1st reported: 11/2003
Balance: $682
Past due: $682
Acct. Status: charge off
Credit limit: $0
Months reviewed: 11
Type of Acct: Open
DISPUTED ONLINE: This is the same as #3 Different acct. #'s though, but same exact amout???? Can one place have 2 neg's for same past due bill?


Collections:
1st
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $152
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $152
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical



2nd
Individual Acct.
Date Reported: 12/2007
Date Assigned: 12/2004
Orig Amount Owed: $165
1st Delinquency: 5/2003
Balance Date: 12/2007
Balance owed: $165
Status Date: 12/2007
Status: D-Unpaid
Comments: Medical



3rd
Collection gency
Individual Acct.
Creditor Class: Retail
Date Reported: 10/2007
Date Assigned: 12/2003
Orig Amount Owed: $638
1st Delinquency: 9/2003
Balance Date: 10/2007
Balance owed: $638
Status Date: 10/2007
Status: D-Unpaid
Comments: N/A

JUDGEMENT:
Date Filed: 9/2002
Case#: 12324abcd
Court Name: Space is Blank
Court Address: New York
Plaintiff: Portfolio Recovery SVC
Defendant: Me =)
Amount: $4085.00
Date Reported: N/A
Status: N/A Space is Blank
Verified Date: Space is blank
Comments: None

I have no Bankruptcies
What should be my first step here? I disputed some of that online, I read here not to dispute all at once, but half at a time.
I started that.

Do I have to send disputes for each account to all CRA's?

I have a secured Card on the way, I currently do not have any Credit cards. I havent had a Credit card in over 10yrs.

What credit Monitoring Service would be the best one for my situation?? I think I would need to be able to view/print my report and score almost weekly to ensure progress.

I work full time and make descent money now and am very anxious to get the ball rolling to better credit. As you can see, I made ALOT of terrible choices with my credit and really want to fix it properly. I am in no way trying to avoid paying anything. I am looking to be able to pay it off properly and as beneficially as possible for my score.

Also I will be posting the process along the way, for people that are in my position too, Mabey besides fixing my own credit, I can help somone with credit as bad as mine see that it can be fixed =)


Thank you in advance to those who can help advise me, I really appreciate it.