Questions About Rebuilding Credit!
OK, posted this question on www.creditboards.com also, but I'm looking for any help I can get!
Me: Credit score is 517 I really messed up in college...now I'm about $7000 in debt. And I wasn't making payments for a really long time, and up until the end of September, when I was able to begin making payments, almost every account was scheduled to be written off.
However, I graduated in may and now have a job that I started in September. So now I'm working on paying off everything. From what I understand, I shouldn't pay everything off at once but in repetitive incriments that will eventually pass as predictable to FICO.
I want to clean my credit up as quickly as possible!!! I still don't really know how to start. Any advice would be fantastic!
People in other places have talked about having their previous addresses removed from their credit reports. What is the importance of doing this and how do I do it?
What does Opting Out mean? Should I do it? How do I do it?
How soon does it show up that I'm making payments? How soon will my score begin to go up if I'm making steady payments every two weeks or so?
I have a few credit accounts that are current, but I haven't used in a few years, should I request new cards (because they've expired by now) and use them for small purchases that I can pay off. Will that help my credit? Will I even be eligible for new cards because my score's low even though the accounts haven't been closed?
OK thanks in advance for any responses!!! 
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