Overwhelmed and need some help...please

[lsherman]

Hello, I have 2 credit cards that have been charged off (capital one and wells fargo) they have been charged off for about 2 yrs and sold to debt collectors. NCO financial is wanting $1700 and Capital one charged off but reopened it and they also want about $1700! I started off with $500 credit limits, not about to pay crazy finance charges! I disputed both online not knowing anything and they were verified on Experian. I am only 21 and already have bad credit which is ruining my life and was wondering if I should try the 1,2 punch method if not then what method would you recommend. I am not very smart at all of this so if you wouldnt mind I need a detailed walkthrough. I am a Firefighter/EMT and this does not look good when I apply for jobs. I am in desperate need of help, and thanks to all of yall that help.

[chane]

Credit repair takes a lot of time. There is no quick fix. There is a lot you must learn. The best place to start is here:

Basic Step by Step Beginner's Guide to Credit Repair