Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - How do I start paying down the debts on my credit reports? - I want to start paying down the debts on my credit reports. I am getting ready to order all 3 reports. I want to look them over and see what needs to be paid. I am not sure how to go about paying them. Will paying them off get my credit good again? And, if I pay them, will they be deleted from my credit reports? I am in a position now where I may soon need decent credit. And I have a bankruptcy I filed in 2004 which will roll off next year, finally. I don't want to go through a debt consolidation service because the debts are for minimal amounts like $125.00 and $50.00, etc. and, I have no credit card debt because I can't get a credit card. It will take longer do it that way, too and it'll cost more in the long run. I think it's better for me just to pay each one separately. How would I go about starting to do this? -