Answer: -The only way to fix it is to pay everybody off. How long it takes to clear off of your report after you've paid somebody is up to them. Some places report monthly, some quarterly, some not as often. As you start paying on time, paying down the balance, and not charging new items in the meantime, it will get better. -Do you know your credit score? That's important as well as knowing whats on your credit. If your credit really is as serious as you think after you look over your report, then maybe you should try CCS. But if its not that bad then you can increase your credit score by making payments on time. I know it will be hard since you are on a fixed income. But if you can do any little thing and get extra money you could apply it to your debts. Pay off the cheaper ones first. It may take a while, but remember that you didnt get into debt overnight so don't expect to be out as quick. I got my credit score up 153 points within a year. I also recommend The complete Guide to Credit Repair. I checked it out from the local library and it helped me get some things straight. And please don't fall for the cleaning up your credit for a fee scam.