To make a long story short…i have pretty bad credit after having very good credit!!! There are things I plan on doing in the furture that requires good credit so i am trying to start fixing it!

However, i have a couple of things that went to collections from maybe 4 years ago! What do I need to do to fix my credit score? I understand that one can dispute things, but I pretty much never paid things on time so everything that I know of should probably be correct!!!

I have a car that is payed off since then, and am now paying off school with OUT missing payments! Will this help and how much will it help?

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