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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.

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believe it or not it's a good thing you never paid them back. if you contact them you may be able to work out a deal where you pay back some amount (50-100%) in exchange for them removing the entry from your report.

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While you could that, it would be dumb at this point as far as your credit report goes. The S.O.L. on the debt is way past (meaning they can't and will never try to collect) and it should be falling off your credit report any day now never to return.

Some unscrupulous collection agencies sometimes try to revive these old debts and mark your report, you owe nothing and the marks can be removed easily with a dispute to the credit reporting bureau.

Now if it was 2 or so years old, negotiating a payoff would be worth it. I've seen them go as low as .30 on the dollar.

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Wow seriously? Accounts were opened in 98 and all effed up by 99. Probably went to collections in 00. So all I have to do is get a copy of my credit report and have them remove the marks if they are 7 years old? Awesome.

Also are there companies that will handle all this for you? Any recommendations?