Need Help Getting Started – Paid Charge-Offs, Reports in Hand – What Should I Do First?

[horse5]

Hi everyone,

 

I'm just starting to fix my credit and could use some guidance on what steps to take first.

 

I have 3 CC accounts paid CO. I have all three of my paper credit reports in hand, but I’m unsure where to begin. I haven’t done any disputes yet—no address clean-up, no DOFD, DV, and I haven’t attempted the 1-2 Punch method or anything like that.

 

I've found many beginner guides and newbie index posts here, but most of them seem pretty outdated, and I want to make sure I’m following a current and effective plan. Can anyone point me in the right direction? I’d appreciate a step-by-step or suggestions on what to prioritize—whether it's addressing clean-up, investigating DOFDs, disputing, etc.

 

Thanks in advance for any help!

Edited May 13 by horse5

[MarvBear]

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