Okay, so I have an update. I checked online and was able to get a free credit report from the 3 major companies. It turns out it's not as bad as I thought it was going to be. I have no late payments and a few open credit cards I don't use anymore. So I will close those, or transfer my balance from my AmEx to one of those so I can pay off that debt.
All in all, this is starting to turn out rather well! Horray!
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