this will be a post and run but I just found out my score is 597:-(how can i repair it?? I can't get s loan or credit card. DoI just start paying off the bad?? TIA
Yuor first step is to definitely pay off the bad stuff.
Then, you can look into getting a secured credit card (you put money down, and make payments monthly on what you spend)
that will slowly build your credit up over a year.
After a year, you can try for a regular credit card.
But you're going to need to pay off anything in collections/default before you can start buliding credit
Yup. Pay off all your accounts especially if you have any in collections. If you have any in collections see if you can pay it off in full otherwise settle the payment but ask for them to remove it from all credit reporting agencies as a condition of your payment. Having any derogatory accounts removed will improve your score faster.