Fix my bad credit advice.

I have been reading so many sites and I'm totally confused.
I read your blogs and you see to know what you are doing.
I have been Self-Employed for about 6 years and to start my dream I maxed out my Credit Cards. Tough times hit and I fell into default.
We are selling our home and moving to TN and highly motivated to clean up our credit so we can adopt another child. I know that I have 2 judgments on my credit and they will be cleared once I sell my home.
My question is. Where do I start? Any advice would greatly be appreciated.
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you start buy getting your credit report then
read this Raise my credot score fast quickly free
then read this Credit Help
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Maybe my eyes are tired of reading today.
Do you have any information on your site about how to get judgments off of you credit after you have paid them. If I have overlooked it I am sorry for the waste of your time.
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judments are very hard
but this lady seems to think she knows
read this
Almost 99% of the time for me, there are probably 5 addresses on mine, or others report that are actually on there wrong
anyways, even the slightest mis spelling or backwards address is wrong, so I would either say not mine, unless I do it online, it automatically says "I have never lived there" so I delete all those addresses. They will delete them the first time, especially of you add a fraud alert first. So I send a letter saying please delete the following addresses as they are incorrect: 1,2,3 etc. If you do it online you may actually have it done within 10 days -2 weeks.
Then do the same on another letter with each additional item, such as dob, aka's, etc.
After you get this back you can have a hay day deleting stuff, because the creditors have to be able to connect you in some way to that debt, and if there is no address that is the same as the one in the debt, they will delete it. Its so fun to get credit reports back with 10 things deleted. :)After you have the bare bones on your credit reports, dispute the judgement and sometimes even after the 1st try, you'll get it back clean! :) I just deleted a BK off my parents report doing this as well. Please let me know if this works for anyone, It really makes me happy when I can help someone. I started learning about this after I had identity theft, and had to fight for years. I kinda got it down to a science, although I did find a cool site tonight that taught me some things. http://www.creditinfocenter.com/rebuild/debt_validation.shtml
I have always only worked with the actual credit bureaus to delete things and never really the actual creditor until recently with companies like RJM collections, and other "bulk" collectors. This was a new technique I have never tried until tonight, so I have some mailing to do tomorrow for my husband. lol
Well, I hope you have a great night and if you need any help. Let me know and let me know if you get any success.
Thanks again for your always interesting and informative posts online. :)
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I just want to make sure I understand this that I read. If I have a card in collections, I should contact the original company offer a settlement and see if I may reopen the account?
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no
if you call the original creditor you should offer to pay it all and some extra if they will open the same account back up and let you start over.
After 12 months ask them to report only the past 24 months activity offer settlements or reduced payments to collections that do not pay but 20 cents on the dollar