From what I have learned through all my reading on successful credit repair is that your best defense is a good paper trail.  If you live in a one-party state, set up your phone to start recording phone conversations with your creditors and file the recordings so that they can be accessed easily.
In addition, organize [...]

My credit report is a Mess with a capital M – the True Credit printer friendly version is about 26 pages long.  The first thing I did was go through an highlight anything that was under $50 which I can just pay and get rid of – my plan was to call them and negotiate [...]