Bad credit – while not ideal – is not the end of the world. You can fix credit by making payments on time, as well as paying off collections and chargeoffs. If you have a lot of debt, you also need to reduce it, so it doesn’t appear like you have more debt than you can handle. Potential creditors do not like to see that you are maxed out on your credit cards and that you have too many credit cards. When looking to fix your credit, don’t expect it to be a quick process. It will take time to repair all of the damage.

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