I am 30 years old and I have bad credit for many different reasons. I would list my excuses but it does not matter. I really want t to fix my credit. I have like 4 good accounts and the rest (12-15 accounts) are bad. They are all in collections and I have already talked to a person who specializes in fixing credit. I want to avoid paying them so much money to fix my credit. My mother may help me fix my credit by fronting half of the money. I will be paying off my truck later this year and have around 400+ dollars a month. What are some ways that I can contact the credit collectionns myself and making arrnangents? I can print my credit report and do this myself if needed? any advice?

Gather information on all your accounts that are in collection and contact them individually and make arrangements to consolidate all of them into one or two accounts and make comfortable monthly payments that won't leave you without shelter or food.

Second apply funds toward a secured credit card, usually you have to give a deposit of about $250-300 to start it up. Use it to buy small things during the month and pay it off completely when your billl comes in.

Do this and within a year your credit should have improved drastically.