'credit questions?'

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credit questions?

matt from right there!!! -

My credit really stinks I have several charge offs and I was very irresponsible when I had credit. What do you think my steps should be to start cleaning up this mess that I got myself into? Most if not all of my charge offs are with collection agencies. Boy are they real nasty, you can not talk to them on the phone. Someone help with steps please!!

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