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Speaking of repairing credit, here's something I learned while doing it.
If you've got a bunch of debt collection marks on your credit report, send each collection agency a Validation Letter via certified mail. Look up examples of Validation Letters to see what I mean. But basically it's a letter stating that the Collection Agency has to absolutely prove, in writing, that you owe this debt and they are allowed to collect on it. They must validate your debt or drop it. 7 out of 10 times they'll drop it which will remove the mark from your credit score thus improving it, plus you won't have to pay the money. And don't worry about them saying you have to respond within 30 days of the initial debt collection if you want to dispute. That's bullshit to scare you. By law you can dispute the debt at any point in time.
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I danced until midnight when the sky turned black,
It is hard to dance with the devil on your back.
They buried my body and thought I had gone,
But I am the dance and I still go on.
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