Question by unique! =): How do I fix my bad credit?? ?
So I'm only 22 yrs old, and already have bad credit. Checked my credit score yesterday, and its 549. Made some poor mistakes in the past, but I'm trying to fix things now.
What's badly affecting my score is that I have 4 bad accounts.
-my capital one credit card is currently in collections right now. Amount is $ 1,146 past due, but I called yesterday and got a settlement for $ 624. I already paid $ 400 and will pay the remaining
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