i am very new to all of this and have a few charges outstanding on my credit file that i was unaware of. as far as i know, the debts are indeed my responsibility. Can a pay to delete request be made if there is no dispute that the debts are mine? and what if one of the amounts is larger than what i can pay all at once? may i still do something to "pay to delete" or is there anyway to have them removed from my credit report?

and when rebuilding, i have just received a credit card to rebuild but is there anything else i can do to help?

thanks!!!