If you have a lot credit problems, and you are starting to take care of them. Check the credit reporting agencies for errors. Everyone is wanting their money, but they really dont care about your credit history facts. If there is an error, you are the one that is going to try to have to fix it. First try to contact the error place, and see if they will fix it. If they wont do it, then you can put up a defense with the credit card agency. Each agency will have instructions on how to do this.
I hope you the best is your journey.