u/Cold_Trainer_4588

I’ve got a couple missed payments on my credit cards plus a few accounts that ended up in collections, and I’m finally trying to deal with it instead of ignoring it. Most of this came from falling behind on a couple cards last year, and now it’s all hitting at once. Late payments, collections, lower score and I know it’s going to mess with getting approved for better cards down the line.

I’ve been reading a lot but it’s honestly confusing because everyone says something different. Some people say handle collections first, others say leave them alone and focus on your current cards. Then there’s stuff about disputing things, or using tools like Dovly or Dispute Beast, but I’m not sure if that’s something you do right away or later.