don't know how to fix my credit i need help?

Check your state's statute of limitations on debts, contract or credit cards. Credit cards fall under "open accounts". If the statute of limitations has expired, then you no longer have a legal obligation to pay.

Pay off any debts that are still within statute to avoid getting sued. Old debts are often sold and resold for pennies on the dollar. You may want to negotiate a settlement with the collection agency for much less of what you owe. Keep in mind, however, that paying off an old debt will not remove it from your credit reports. A derogatory trade line is still a derogatory trade line whether it is marked "paid", or not.

By law, anything reported about you to the credit bureaus has to be the truth. Otherwise, it has to be corrected or removed. You have the right to dispute any inaccurate information. If the information is verified as true, it remains until it ages out.

Derogatory information remain on your credit reports for 7 years. After that it has to be removed, and it can never be added again unless you resume making payments.

Bankruptcies remain on your credit reports for 7 to 10 years after you filed. Filing will not improve your credit.

The only way to "fix" your credit is time and paying your bills before they become overdue.

The older an entry is on your report, the less impact it has on your credit scores.

In a nutshell, this is what any book worth anything is going to tell you.

Good luck

If you have the money to pay off your debts do so and your credit will improve, if you don't have the assets to pay off your debts you might want to consider filing for bankruptcy