1 year ago ,i owned 3 credit card 10,000$ (i still had notpay off) and that was be sent to collectio

and... all that appears on my credit report . now i got i good job ...so my question:

* how to pay off my debt ?

* if i paid off - my history credit will be clear? if not -how should i do

*the best way to build credit agian( ex: buy new car, apply credit card.....

*

1 year ago ,i owned 3 credit card 10,000$ (i still had notpay off) and that was be sent to collection agency,?

Contact those card companies and they will tell you who they sent your accout to. Contact the collection agencies and make payment arrangements with them. (monthly, weekly, one lump some). Once you have paid, be sure to get a letter stating that you have paid them off and send those letters to the 3 credit bureaus.

I hate to tell you but it takes about 7 years to get stuff off your credit, but once you pay it helps bring your score up and you can qualify for more stuff (car loan, mortgages) but first work on paying your debts. To rebuild your credit I suggest the following:

1. Don%26#039;t apply for any new cards

2. Close some of the accounts if you have a lot (but not the old ones) since they help establish your credit history. Having too many accounts may hurt depending on what you are applying for (Mortgage)

3. Get balances down to 50% on all your accounts

4. Pay your bills on time and make more than the minimum payment required

I suggest you contact them asap as someone recently go turned down for a job bc her creditors took her to court.

Good Luck