i have a lot of hosptial bills and a repo i need help to get my credit back

i also had that problem i had about 300 in hospital bills some utilitys and some credit cards, what i did was called each place and set up a payment plan with them, there now bad and my credit score is rising

First, you need to dispute any inaccuracies on your credit report. I know of a web site that has letters of dispute as well as letters of credit that you can use to attack your credit issues head on!

www.creditinfocenter.com