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Don't use one of those credit repair clinics. All they do is offer to remove wrong or bad info from your credit report and you can do that yourself.

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Could anyone explain how to do this yourself? Around 98-00 I got myself into some bad credit issues. I was in college and effed it bad. I had 2 CC's, one for like $500 and one for $700. Maxed them both out and never paid them off, they went to collections=My score suxs.

About 4-5 months ago, I got a crappy CC with an annual fee and a pretty high % rate with a line of $600. Then a month later I got a better one with no annual fee but a line of only $300, then about 2 weeks ago I got a Chase card with a great APR and $2100 line, so it appears to me that my credit is vastly improving. But I will always wonder about those 2 old CC's and how to get rid of that crap so I can get a really good score going. Thoughts?