I'm sitting here with my credit report and its big bad and ugly. I'm having trouble understanding what it all means. Example: there are accts marked closed and cancelled by the creditor just this month, so when will they not show up on my report, can I start requesting to have them removed, and one of them was closed back in 2002 and yet it is still on my report and still being reported as of 01/08---what does this all mean? Also there are 4 charges on there from credit cards I never used and closed--yet there they are with what must be service charges because the amount owed is around 300.00 on those and they are 6 yrs old, and also said to be closed===I'm just completely confused at where to start first digging myself out of this mess. Oh and it seems that USA Funds is just reporting several accts over and over again some which I will dispute because the date opened I was not taking classes in fact I hadn't been in school for 2 years and yet there are a couple of student loans opened. links to informative sites or advice would be great I am feeling completely overwhelmed and mad at myself for the stupidity I suffered from in my 20's. Also what are reposession trade lines because I have had to give one car up but the trade line says way more than that..