I'm in a long process of cleaning up my credit. Any advice on what my next step should be?

After years of negotiating and payments, I've got my debt to creditors down to just over 600 dollars. This money is owed to 4 creditors; all of which are collection agencies due to bad debt. At least two of these will not come off my credit reports until 2012. Miraculously, I was able to get a gas card several months back and have been using it and paying on it wisely so it is the only current, positive credit that shows on my credit reports. Thinking I might be in luck, I tried to finance a computer through Dell but was turned down a few months ago. Any advice on what I should do next would be greatly appreciated. It's been a long road but I'm finally beginning to see the light at the end of the tunnel. I've accepted full responsibility for this predicament even though a good deal of it was due to my trust in another.

I sure wouldn't get another credit card you'll just end up in the same mess again.
Pay off ever body and save up and emergency fund of six months of expenses. Then save and pay cash for things. Dont whorship at the alter of the almighty fico score ( I Love Debt Score). To get and keep a high I Love Debt Score ( fico score) you have to pay alot of debt and pay it often. Thats when you lose with money because the banks get it all.

check out daveramsey.com and listen to his talk radio show. Lots of good advice on money and debt.

You've done everything right and played by the rules. You're almost out, and finding the hard part is getting companies to extend credit to you once again. You can qualify for a credit card now, but you will pay massive interest, not to mention the other fees (annual, etc.) they tack on. Research credit card companies for one that will give you credit, at the lowest interest rate you can possibly qualify for. Begin using that card....but be sure to pay the outstanding balance each month. Over time, this will show a positive affect on your credit rating.

Hi
My brother was in the same spot and he used creditrewind.com I don't know how they did it but they cleared all his bad debt owing or not now he has better credit score than me!! plus they refund you if they can't do it! my broker from countrywide also said it was a reputable company
Check them out and good luck to you don't worry before you know it you will be back on track

Credit repair. Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters鈥攖his is the key鈥?.people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.