Order a credit report, and search it for old debts you've forgotten about, as well as for outdated information on paid debts. Give it a once over and check for errors, then start the hard work of fixing the problems you created. Your first step should be completely paying off the debt with the highest interest. Meanwhile, keep up with the other accounts, even if it's just the minimum payment.
Before you get into an agreement about settling a debt, make sure you understand how it's going to
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