If I really talked about this in full, it would last FOREVER! Fixing up your credit report and bringing your credit score can not be done with an easy fix; or by someone else. It is best done by you, since your economic life depends on it. I have worked on my credit report for almost 2 years, I have taken a collection agency to court and won and I have brought up my score on average about 80 points. I still have a long way to go and work to do, but I love the sense of accomplishment, understanding my rights and what little rights collection agencies really have.
The best place to find some wonderful advice are the forums at creditinfocenter. Now the whole site is very helpful, but the forums allow you to ask specific questions related to your credit report. You can be assured you will spend a few hours there and make sure you do a search in the forum to see if your question has been answered before.
Of course the first place to go is to get a credit report. There are three you will need; Transunion, Experian and Equifax. Starting this coming year quite a few areas will be able to get them free. Check out annualcreditreport.com to see when your area will get them free. Some states already offer 1 free per year already, but this makes it all uniform.
Once you have your credit report in front of you, go through it with a ‘fine tooth comb’ and highlight items that aren’t yours, that are older than 7 years, anything out of the ordinary really. Then go to creditinfocenter and find out what you can do about it.
If it took you a year to ruin your credit, it may take a year or so to fix it up again, so take it slow and do it right. And DON’T pay someone else to do it for you! Also, if you want to monitor your progress when you are disputing items, try privacyguard.com and check out your score and your history for 2 months for a buck.
Best of Luck!