Help! How to turn around bad credit, help relationship with banks? PLEASE, experienced answers would be great!?

by eyewash
Question by Sylv: Help! How to turn around bad credit, help relationship with banks? PLEASE, experienced answers would be great!?
NOTE--this is not for me. This is for my boyfriend. One day we are going to be married, but at 20 years each, we're not quite ready. Even though we've lived with each other and love each other enough to, there are still things that need time. School, careers..etc. And now I'm finding out more about his financial situation.

He doesn't make too much,

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