Had high 700s before my sentence. 2 years of not being able to be free and pay your debts is costly. 5 collection accounts, already settled 2 of them. Should be good to go by the end of the year again.
Working with the creditors directly is key. They've been understanding of my situation, especially since I reached them directly. From there you can negotiate a settlement instead of dealing with slimy collection agencies.
You a better man than me, I had already been ducking them for a good period of time before I got jammed up so by time I got out my shit was basically squeaky clean! All the better to fukk it up all over again!! Lol
