Begin by reviewing this board and the beginner's section - it is full of useful information, you should find most everything you need!
Are your items listed past dues? collections? Medical it is usually best to try and resolve through the original creditor - make a payment plan, etc. and ask them the courtesy not to report to cb's or slowly pay them to delete them (pay for deletion letter). but, follow instructions on this one and search this site. Either call or send them a letter with your information and try and resolve. Also can try and state Unknown on a dispute letter to cb's. some may drop off if you're lucky.
The bank 30 day late one - it may be tough to get rid of. I've tried and the bank gave me some b/s that under the federal regulations, etc they had to report it. But, you can try and send them a good will letter explaining why you were late, that is doesn't reflect how you actually handle finances and ask as a courtesy for them to remove the items from cb's.
Everything ok, paid - seems to be ok - you'll want them on your reports!
Hope this helps some.
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