help me

Hi, you can take some steps and work on improving your credit. It might take some time in the repair work, but if you stay dedicated and stick to the payment plan with your creditors, it's not a hard job. Your scores will rise every time an account is shown as "paid off" by your creditors.

Go through your latest credit copy and calculate the total outstanding balance. See if there are any incorrect items that need to be disputed with the bureaus. Once you know the latest standing of each account, call the creditors and propose a payment plan. You can slowly get the debts paid off. In case, you want to hire professional help, speak with a debt counselor referred from this website. He will figure out a plan for you.