I finally got a job - woohoo! What are good & effective ways to....

[BlooInBloo]

... clean up bad credit record. It's bad, but not the worst in the world. I'd guess I've got about $10k of unpaid stuff on it, of which $7k is a student loan (not in default, I don't think).

How do I find out what all I owe people from a jillion years ago that still have crap on my credit record?
How do I get awesome credit so I can buy cars and houses n stuff for low interest?

Thanks for any suggestions!


EDIT: I have no actual credit (cards or otherwise - thankfully, given the way I spend... lol - just unpaid crap on my credit record. I have no debt beyond that. My only asset is my car - prolly worth about $3000.)

[trof]

1. Get copies of your credit reports.

They should tell all.

http://www.freecreditreport.com/Default.aspx?SiteVersionID=418&SiteID=100133&sc=643200&bcd=gg01b&WT.srch=1

Or, for 20 bucks:
View your Complete and Current Credit Report from all three credit reporting agencies: Experian, Equifax, and TransUnion, instantly online!
http://creditreport.com/index.asp?src=google&kwd=credit+reports+e&gclid=COrgxtGx7IcCFRc5GgodwzxziA

Good luck.