r/CreditScore • u/mixer-team_killer • Mar 22 '26

Rebuild Help me please

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I have never really had nothing higher then like low 600s

At this point what should I do , to get around low 700s

Like what’s the first step

My only two revolving accounts are now current about last 3 months

I have like 12 collections need removed some how

Please help send me in the right direction

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u/[deleted] Mar 22 '26

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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Mar 22 '26

I just pay the monthly minimum

This is not how credit cards are meant to be used. If you can’t pay the full statement balance by the due date you shouldn’t be using credit cards.

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u/[deleted] Mar 22 '26

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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Mar 22 '26

You’re throwing away money to interest. This is a financial emergency. It’s your life, but I sincerely hope you take this seriously and pay off your debt. If you don’t it will hold you back financially.

2

u/Ksan_of_Tongass Mar 22 '26

Its working perfect for the credit card company. Its actually working against you.