bad credit can not be fixed no matter what anyone says. The only things that can be fixed on your credit reports are inaccurate information. If your want good credit again start paying your bills on time for the next 7 years and your be in good shape.
If your having so much trouble paying your bills why don't you see a lawyer about filing for bankruptcies either chapter 7 or 13. It will kill your credit for now but it will give you a fresh start and stop the collection agencies.
If your having so much trouble paying your bills why don't you see a lawyer about filing for bankruptcies either chapter 7 or 13. It will kill your credit for now but it will give you a fresh start and stop the collection agencies.