Based on your information it appears that you have approximately $5000 in debt or less or are in a state where we are not yet offering solutions. For situations such as yours we recommend the following solutions:
First step is to get a credit report to confirm the debt amount is correct.
A final option is Credit Repair. One of the most popular Credit Repair programs in the country is provided by CreditRepair.com. The benefits of credit repair, or credit restoration is to challenge inaccuracies on one’s report. If you have very delinquent debts or feel they may not be accurate, this could be an excellent solution to evaluate.