I got my free credit reports (from experion, transunion and equifax’s website) and was wondering if it is a full report or partial report. Do you have to actually buy your credit report to see everything that’s on it? I don’t want to have to buy it if all its going to show is what [...]

I just ran my credit report and there are several hits on it to say the least. Is it better to call the collection agencies directly and work out payment arraignments or should I call the credit consolidator people. And what is the best credit consolidator co to call?