by marsmet461
Question by Proud Mommy: My credit score is very low,561, how can I improve?
I know, it's my fault its so low. I realize that and now I am doing what I can to turn it around. Right now I have a few negative marks, 2 late payments for my car loan and a charge off ($ 1300) for a credit card. I am trying to figure out what the most effective way would be to get my score up. Should I do a 'settlement' for the $ 1300, or pay in full, I'd only be able to pay in full with monthly
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