Your website is very good in helping me understand that I may be able to build some good credit down the road.

The last time I checked my credit report was in 1999. I still have the copy. It's difficult for me to even look at the report. I have such shame for not paying these bills. At this point the reasons don;t matter. I just couldn;t pay.

Can you please give me a step by step on what to do going forward. I just don;t know where to begin.

I guess I should start by obtaining my credit report. I was advised by my attorney to not even inquire as to my score for at least 7 years from the time I stopped paying on these credit cards. That was 1999.

You web site says that after 7 years charge offs, collections, and past dues drop off. Am I too understand that after 7 years my credit report will show 'nothing'?

I would appreciate any advice you can give me.
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Yes in 7 years your report will show nothing if you owe nothing
Get 3 lines of credit
ccard
home loan
car loan
pay money up front to get started.
try a local banks' endorsed credit card Keep it one year then go for a loan
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Thanks. I'll get started.