Well, I need to walk this line. Any suggestions? I do not have any open credit cards. They are all in collections, and I am paying them off monthly - I pay 1 collection off in full each 4-6 weeks.
There are some great concepts and ideas in Donna Fox’ book “From Credit Repair to Credit Millionaire”. Some simple steps such as writing letters stating you simply do not Recall X or Y.
You can find that book, I think, on the Investor Resources area of the WCRT site. http://www.wcrt.org
The best resource I have found is http://www.moneysearch.com/loanlibrary/credit_repair.html they have pre-made letters and what steps to take all spelled out for different situations. Good Luck!
P.S. It works I recently removed 5 items from my credit from a few years!
Open lines are KING!!
Do your folks and or friends have any really good open lines HIGH LIMIT LOW BALANCE?
If so have them add you as a card holder tell them to rip up the card when it comes that you don’t want it! About 30-45 days later that line will appear on your credit!
Add about 2-5 lines you do not want to many it will screw with your D.T.I…
Send me an email and I can email you a free information guide on Building a Better Credit.
Thanks,
Promise,
Your email address is hidden on your profile.
So, you can:
(1) Send him a private message
(B) Go to his website and send him an e-mail from there…
Keith
Thanks Keith 
A private email would be best to reach me.
I’m new, so I wasn’t familiar with how to email him via the boards. But I took my girl vitamins and figured it out with your guidance.