Step two is to organize and prioritize the issues you’ve found so you can act in a structured way rather than trying to fix everything at once. Create a simple list or spreadsheet that groups each problem by type, for example, errors, legitimate past-due accounts, collections, or high utilization, and note which bureau is reporting it and how it affects your score. Start by preparing clear documentation for disputes, such as statements, letters, or ID copies, and at the same time, design a realistic payment plan for valid debts, focusing first on high-interest or severely delinquent accounts to stop further damage and begin rebuilding positive payment history.