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Hello guys, I am a new guy on this CB and I have a very serious issue. I have been reading success stories and wondering how I can solve my credit issues. I visited a family overseas and I thought I was going to spend 2 weeks but when I got there, more issues popped up and kept me there for 4 months. I missed all credit, student loans, medical bill payments for up to 4 months. Now I am in hot water, I need your advice. I just came and I haven't talked to any of my creditors. some have sent my accounts to collection agencies, others charged-off(whatever it means), others just posted lates: 30, 60,90,120 days... other accounts are on their way to collections... I am just pissed off and I need a clean Credit, sorry it sounds like I am not going to have this credit any more but hey, please send your advices and I appreciate your contributions towards better credit. -----------------------------
