Feeling stuck with bad credit and no money? You’re not alone, and you’re not doomed. This guide will walk you through how to rebuild your credit step by step, even if you feel like you’re at rock bottom. We’ll start with the basics – what credit actually is – and then cover practical steps you can take right now. Along the way, you’ll get encouragement, simple tips, and a reminder that millions of people have bounced back from bad credit.

Take a deep breath: rebuilding credit won’t happen overnight, but it will happen with consistent small steps. No jargon, no judgment – just honest guidance to help you take control of your financial story. Let’s get started on your comeback!

What Is Credit and Why Does It Matter?

In plain English, credit is an arrangement where someone gives you money, goods, or services now, and you promise to pay them back later . If you’ve ever used a credit card, taken out a loan, or bought something and paid for it over time, you’ve used credit. A credit report is like a report card of how you’ve managed those debts, and a credit score is a number that sums up that report card. The score usually ranges from about 300 (bad) to 850 (excellent) – higher is better . This number matters because it’s used by banks, landlords, and even some employers to decide if they can trust you to pay what you owe.

Why should you care about your credit? Because having good credit can save you a lot of money and stress. For example, if you have excellent credit, you might get a $20,000 car loan at a low interest rate and pay only about $2,000 in interest over five years. But with a poor credit score, that same loan could cost you over $9,000 in interest ! That means higher monthly payments and more of your hard-earned money spent on interest. Good credit can also make it easier to rent an apartment or get a job (since some employers check credit reports). In short, credit is your financial reputation – it affects where you can live, what car you can drive, and how much extra you pay for life’s big expenses.

The good news: Credit isn’t fixed in stone. It’s a snapshot of your past, not a verdict on your future. No matter how low your score is right now, it can be improved. And improving your credit doesn’t require a high income or fancy financial tricks. In fact, your income level doesn’t directly affect your credit score at all – credit scoring models don’t consider how much money you make . What matters is how you handle the credit you have. Even on a low income or no income, you can start to build a positive credit history by making the right moves (as we’ll outline below). Remember, credit is just one part of your financial life – it does not define your worth as a person. It’s simply a tool you can learn to manage.

You’re Not Alone – Bad Credit Is More Common Than You Think

If your credit is in bad shape, you might feel embarrassed or hopeless. Please don’t. Roughly one in three Americans have a credit score considered “poor” or “bad”  . That’s tens of millions of people! Life happens – job losses, medical bills, family emergencies, or just not knowing how credit works can put anyone’s finances in a tailspin. You are not a failure for having bad credit. It’s a common challenge, and it’s something you can fix with time and effort.

Let’s bust a myth right now: a low credit score is not a life sentence. People climb out of deep debt and credit trouble every day. Even serious setbacks like bankruptcy or having a 500 credit score can be overcome. For example, negative marks like late payments usually only affect your credit report for 7 years (and 10 years for a major event like Chapter 7 bankruptcy) . They don’t follow you forever. As those years pass and you add positive information to your credit history, the old problems count for less and less.

Take comfort in knowing others have stood where you stand. Many have felt the shame and fear of a ruined credit score, and many have rebuilt and risen up. They did it step by step, and you can too. In one real success story, a young mom discovered her ex had wrecked her finances – her score was down to 520 and she had only $200 to her name  . She was devastated, but with guidance and patience, she started fixing errors on her credit report and gradually improved her score. What made the difference for her was education, support, and the belief that she could get through this . You’re reading this guide, which means you’re taking the same brave first step of facing the issue. Be proud of that. Now let’s walk through exactly what to do next.

Step 1: Check Your Credit Reports (Face the Facts)

The first step in your comeback is to find out what’s actually on your credit report. This might sound scary, especially if you expect the worst, but knowledge is power. Seeing your credit report will show you why your score is low – and that gives you a roadmap for fixing it.

How to get your credit reports for free: By law, you can get a free copy of your credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) every 12 months . The official website to do this is AnnualCreditReport.com . You don’t need to pay any service or sign up for a trial – just go to that site, fill out your info, and request your reports. (Tip: Due to recent changes, Equifax actually lets you get extra free reports beyond the usual one per year through 2026 . And during COVID-19, all bureaus offered free weekly reports; check if that’s still available when you read this.) If online forms are tricky, you can also request your report by mail or phone – instructions are on that website.

When you have your reports, review them line by line. It might be a lot of information, but take it slow. Look at each account listed. For each account, ask yourself: Do I recognize this debt or credit line? Is the balance roughly what I remember? Does it show any late payments or defaults, and are those accurate?

What to look for on your credit report:

• Errors or Unknown Accounts: Mistakes happen. You might find accounts that aren’t yours, incorrect balances, or payments marked late that you actually paid on time. These errors can drag your score down unfairly . For example, you might spot a credit card you never opened – which could mean identity theft – or a loan that you paid off but still shows as unpaid.

• Collection Accounts: These are debts that went so unpaid that the lender gave up and sold the debt to a collection agency. Collections hurt your score a lot. Note any collection accounts, because you’ll want to address them in a later step.

• High Balances/Maxed Out Cards: Your report will show how much you owe on your credit cards relative to the limits. If you see cards that are maxed out or close to their limit, that’s affecting your credit negatively.

• Positive Accounts: Believe it or not, there might be some good news. Any accounts where you’ve been making payments on time will show positive history. It’s good to identify which items on your report are helping you, not just the ones hurting you.

Reviewing your reports might feel like looking in a mirror after a long time of avoiding it. It can be uncomfortable, but remember: this is the starting point, not the end point. No matter how bad it looks, you now have a clear picture of the situation. Some items on there will drop off in time, and others you will work to improve from now on.

Step 2: Dispute Errors and Clean Up Mistakes

After reviewing your credit reports, take action on any errors or inaccuracies right away. You don’t have to just accept mistakes on your report – you have the right to dispute them and get them corrected or removed. This is one of the quickest ways to give your credit score a boost, because if a negative item is wrong, getting it deleted can only help you.

Common errors to watch for:

• Accounts that don’t belong to you (mix-ups can happen, especially if you have a common name or are a Jr./Sr.)
• Incorrect balances or credit limits (e.g. a debt you paid off still showing a balance)
• Duplicate entries of the same debt (sometimes a debt that went to collections might appear twice, with the original lender and again with the collector – it should ideally be marked once)
• Wrong dates (like a late payment listed on the wrong month, or an old debt that should have aged off still showing)

If you find something wrong, file a dispute with both the credit bureau and the creditor that reported the information. For example, if your report from Experian shows a loan as unpaid that you did pay, you can contact Experian and the loan company to challenge that information. The credit bureaus have online dispute forms on their websites, or you can mail in a letter. Briefly state what is wrong and provide any proof you have. They generally have 30 days to investigate and either verify the info or fix it.

Many people are surprised at how often credit report errors occur – and how much fixing them can help. This is a free process you can do yourself. (Be wary of any “credit repair” companies that charge you a lot for this; they often just do these same steps you can do for nothing.) Stay organized: keep copies of your letters or submissions and note the dates you sent them. The bureau will reply with the results of your dispute. If you’re lucky, that bogus collection account or misreported late payment will disappear, and your score could jump up once it’s gone.

Real-life encouragement: In the story mentioned earlier, Nicole and her credit coach went line by line through her reports and found an inaccuracy – disputing that error was one of the first wins that started improving her credit . You can create your own “win” by catching and fixing mistakes. It’s like removing false accusations from your record – a relief and a quick positive step.

Step 3: Tackle Your Debts One by One

With your reports cleaned up (or in the process of being corrected), it’s time to deal with the legitimate bad news on there – your debts. This is often the hardest part, especially if you feel you have no money to throw at them. But don’t panic. You don’t have to pay everything off overnight. The key is to have a plan and make steady progress, even if it’s slow.

Start with the essentials: Make sure you’re taking care of current obligations first. If you have any bills that are currently due (like this month’s credit card minimum, utility bill, etc.), pay those on time if at all possible. Preventing new late payments is critical – remember, payment history is the #1 factor in your credit score . So at the very least, pay something toward each active bill to keep it from going late. If you can’t pay the whole amount, contact the company and explain your situation – they might offer a hardship plan or at least note your account. Many creditors would rather work with you than have you default.

Next, look at collection accounts or past-due debts on your credit report. It’s tough to face them, but ignoring them won’t make them go away (and could lead to things like lawsuits or wage garnishment in extreme cases). List out what you owe, who you owe it to, and how much. Then consider:

• Can you settle or pay off any small debts first? Sometimes there might be a low-balance collection you could afford to clear up. Knocking out a small $100 medical bill that went to collections, for instance, removes a whole negative account from your credit report once it’s marked paid. Newer credit score models completely ignore paid collections accounts , which means paying it could instantly help those scores (though older models like FICO 8 might not boost your score, it still looks better to have it paid). Even if the score doesn’t jump, any future lender manually reviewing your report will see a paid collection rather than an unpaid one – that’s a positive sign.

• Negotiate if you can’t pay in full: If you owe a larger amount that you can’t afford, you might negotiate with the creditor or collection agency. Sometimes they’ll accept a lower amount as full payment (this is called a “settlement”). Be aware that settling for less than owed will be noted on your report, but it still zeros out the balance and is better than not paying at all. Always get any settlement agreement in writing before you pay.

• Prioritize debts by importance: Consider focusing on debts that have the biggest impact on your life. For example, secured debts like car loans (if you don’t pay, you lose the car) or any obligation that could cause legal trouble should get attention first. For unsecured debts (like credit cards or medical bills), you might choose a strategy like the debt snowball (paying the smallest balance first for a psychological win) or debt avalanche (paying the highest interest first to save money). The key is to pick a strategy and start chipping away. (We have a Debt Snowball Planner tool on Plan My Comeback if you need help organizing this.)

• Get help if you’re overwhelmed: If you have a lot of debt and feel completely in over your head, consider speaking with a nonprofit credit counselor. Organizations affiliated with the NFCC (National Foundation for Credit Counseling) or Operation HOPE offer free or low-cost guidance. They can help you make a budget, talk to creditors, or even set up a Debt Management Plan (DMP) where you make one payment to the counseling agency and they pay your creditors. This can simplify things and sometimes even reduce interest rates. There is no shame in asking for this kind of help . It’s like having a coach for your finances.

Important: As you tackle debts, keep in mind that paying off a debt in collections will not immediately erase it from your credit report. A paid debt will be marked “paid” but will usually still show up for up to 7 years from when it first went delinquent . That’s okay. Your goal is to have as few unpaid, outstanding negatives as possible. Over time, the sting of those old marks will lessen, and eventually they’ll drop off. By addressing them, you’re also preventing things from getting worse (no more collection calls, no new interest or fees piling on, and no court summons).

If you genuinely have no money at all to put towards old debts right now, focus on stabilizing your situation first (perhaps by increasing income or cutting expenses – see our Budget Building Guide for ideas). The debts will still be there when you’re ready, but at least make sure you’re not digging a deeper hole by missing payments on anything current. Every dollar you don’t have to pay in late fees or new interest is a dollar that can go toward rebuilding your future.

Step 4: Start Building Positive Credit (Small Steps Forward)

While working on the past, you also want to start building a better future. Credit improves not just by removing negatives, but by adding positives. This means you’ll likely need to actively create some new, positive information on your credit report. In simple terms: you want some accounts that show you paying on time, every time, from now on. If you currently have no open credit accounts, you’ll need to establish one (in a safe way) so you can begin demonstrating good behavior. If you do have an open account (like maybe a credit card that survived or a small loan), you’ll want to use it very carefully to build your score.

Here are a few credit-building strategies that work even if you have low income or past issues (remember, avoid any that require big fees or that sound too good to be true – we’ll stick to honest methods):

• Use an existing credit card lightly and pay it off: If you still have a credit card open (even with a low limit), you’re in a great position to rebuild. Start using it for a small purchase each month (think a tank of gas or a modest grocery run). Then pay the balance in full by the due date. This creates a track record of on-time payments. Keep the usage low – ideally no more than 30% of your credit limit, and under 10% is even better . For example, if you have a $500 limit, try not to carry more than $150 on it at any time (and less than $50 would be excellent). This shows you can use credit without maxing out.

• Consider a secured credit card if you have no cards: A secured credit card is a common starter tool for people rebuilding credit. It’s called “secured” because you put down a refundable deposit (say $200), and that becomes your credit line. Many banks and credit unions offer secured cards, and they’re easier to get because the deposit reduces the risk for the lender . For example, you might deposit $200 and get a card with a $200 limit – use it just like a normal credit card. Treat it well (small purchases, pay on time), and after a number of months of on-time payments, some issuers will even upgrade you to a regular unsecured card and give your deposit back . Yes, it means scraping together a couple hundred dollars, but if you can manage to save that up (perhaps through a temporary side gig or selling unused items), it can be a powerful investment in your credit. Warning: Secured cards do often have fees and higher interest rates , so shop around. You don’t need a fancy card with rewards; you just need one that reports to all three credit bureaus, has minimal fees, and a reasonable deposit requirement. A $200-$300 deposit is usually enough to get started.

• Become an authorized user on someone else’s card: Is there a family member or close friend who trusts you? If so, they could add you as an authorized user on one of their credit cards. This means you get added to the account, and the card’s history might show up on your credit report. If they have a long history of on-time payments and low balance, it can give your score a lift without you even using the card . You don’t need to actually use or possess the card (and if you do, remember that you should pay for what you charge). The key is choosing someone responsible; if they miss a payment or max out the card, that can hurt your credit too . So this strategy requires a lot of trust on both sides. But it can be a nice jump-start if it’s available to you.

• Look into credit-builder loans or programs: These are small loans where you essentially “pay yourself.” For example, a credit union might offer a $500 credit-builder loan. They don’t give you $500 upfront; instead, they put it in a savings account. You then make monthly payments of, say, $50 for 10 months. After you’ve paid it off (and proven you can make payments regularly), you get the $500 (often plus a little interest) from the savings account. Meanwhile, each payment was reported to the credit bureaus, so you built a positive history. It forces you to save while building credit. Make sure any credit-builder loan you consider is from a reputable source (many credit unions and community banks have them) and that the payments are truly affordable for you.

• Report your rent or utility payments (with caution): Normally, your on-time rent, phone, electric, etc. don’t show up on your credit report. However, there are third-party services that can arrange to report these payments for you. For example, some services will report your rent payments to the bureaus, and some credit bureaus have options (like Experian Boost) to count utility/phone payments . If you always pay these on time, it could give your score a slight boost. Just be careful: some of these services charge fees, and not all lenders consider that data. This is an optional add-on – nice if it works for you, but your main focus should be the traditional methods above.

Whichever strategy you choose, the golden rule is: pay on time, every time. Set yourself up for success by maybe starting with just one new account. Juggling too many new credit lines can be confusing and might hurt more than help. Also, avoid applying for a bunch of credit at once – each application can cause a small dip in your score, and too many looks risky . If you get a “no” from one secured card or loan application, don’t immediately apply for five more. Instead, perhaps try a different approach (like the authorized user idea), or work on other areas and try again in a few months.

Building new credit is like planting a tiny seedling. It won’t grow to a full tree in a week, but if you water it (use it responsibly) and protect it (don’t miss payments), it will grow. In six months, you’ll start to see a difference. In a year or two, you’ll be amazed at how far you’ve come.

Step 5: Build Good Habits for the Long Term

Rebuilding your credit isn’t a one-time project – it’s a new set of habits and a new mindset. This step is all about preventing future credit problems and establishing routines that keep your score climbing.

Here are some essential habits to develop:

• Pay your bills on time, like clockwork. We’ve said it several times because it’s that important. Payment history makes up 35% of your credit score – the largest chunk . Even one late payment can set you back significantly. To avoid ever missing a due date, set up systems. Mark a calendar or set an alarm on your phone a week before each bill is due. Or use automatic payments through your bank for at least the minimum due, so you never forget. Many people find it helpful to align due dates with their payday – you can often call creditors and ask them to change your due date. If paying by mail, send it early so it definitely arrives on time. Making on-time payments needs to become non-negotiable in your life, like locking the door when you leave home. It’s okay to start small – even paying a secured card that one time each month on time is a victory. Celebrate that! Then keep it going.

• Keep balances low relative to limits. The fancy term “credit utilization” just means how much of your available credit you’re using. It’s the second biggest factor in your score (about 30% of it) . The math is simple: if you have a card with a $1000 limit and you usually owe $800 on it, that’s 80% utilization – which is high and can hurt your score. Try to keep your usage under 30% of your limit, and under 10% is even better . If you can’t pay down a balance right away, at least avoid charging more. And as you rebuild, resist the urge to immediately spend on new credit. The goal is to show you can have credit without using all of it. Tip: If you have multiple cards, spreading a moderate amount of usage across them is better than maxing one out and leaving others unused. But if that’s too complicated, focus on just staying well below the limit on each.

• Create a simple budget and emergency fund. Bad credit often goes hand-in-hand with living on the financial edge. By creating a budget, even a very basic one, you can ensure you’re living within your means and assign dollars to your debt payments and savings. List your monthly take-home income and subtract the “must-pay” things (housing, utilities, groceries, minimum debt payments). If there’s very little or nothing left, see where you might trim expenses (maybe cheaper phone plan, cooking at home more as Chase Bank suggests , etc.). The aim is to free up even a tiny bit of money to start paying down debt or building savings. Speaking of savings: try to build a small emergency fund. It might sound crazy when money is tight, but even $5 a week stashed away can grow to a few hundred that can bail you out in a pinch (and prevent you from missing payments or turning to payday loans). Our guide on Emergency Fund on a $40K Income (and you can adapt the tips even if you earn less) might help with ideas. The emergency fund is your buffer so that life’s surprises don’t wreck your progress.

• Don’t close your oldest credit accounts (if any). The length of your credit history is a factor in your score (about 15%). If you have an old credit card that you paid off but could keep open (especially if it has no annual fee), consider keeping it open and using it once in a while for a small charge (then pay it off). The older the account, the more it helps your “credit age.” On the flip side, don’t open a bunch of new accounts you don’t need – new accounts temporarily lower your average account age and can ding your score a bit (around 10% of your score is new credit inquiries/types ). Build gradually.

• Regularly monitor your credit (but not obsessively). It’s a great habit to check your credit report and/or score periodically. You can use the free annual reports rotation (get one bureau’s report every few months, since you have 3, you can spread them out). There are also free services and apps that give you a peek at your credit score or alert you to changes – just be cautious to use trusted ones (many credit card companies offer free FICO scores to their cardholders, and sites like Credit Karma provide free VantageScores). Monitoring helps you catch problems early, like if a collection pops up that you didn’t know about or if someone steals your identity. It also lets you see your progress, which can be motivating. However, don’t get too hung up on the day-to-day score fluctuations. Scores can dip or rise a few points for seemingly weird reasons. Focus on the big picture trend: is it going up over a few months? Great. If not, review what might be holding it back (are you still utilising too much credit? Any late payment?). Use these checks as gentle feedback to adjust your strategy.

• Avoid quick-fix temptations and scams: When you’re desperate to improve credit, it’s easy to fall for bad advice. Be careful of anyone (or any company) that promises to “fix your credit fast” for a fee, or claims they can erase negative history overnight. No one can legally remove accurate negative information from your report before the time is up . Only errors can be removed. Also avoid “credit repair” clinics that charge big upfront fees – many are scams. Everything they do, you can do yourself or with the help of a nonprofit counselor. Also, steer clear of predatory loans or credit offers. Payday loans or “easy approval” high-interest loans might seem like a way to get immediate cash to pay things off, but they often lead to a deeper cycle of debt (and they usually don’t help your credit at all) . Using a debit card or prepaid card might be safer for controlling spending, but remember, those won’t build your credit . Stick to the proven methods we discussed, even if they are slower. There’s no magic shortcut – but the path we’ve outlined will work over time.

By making these habits part of your life, you’re not just repairing a credit score, you’re transforming your financial future. It might feel unnatural at first if you’ve never been taught this stuff. That’s okay – take it one habit at a time. Maybe this month, focus on paying everything on time. Next month, work on that budget to find a little extra for savings. Each positive habit you build is like another brick in the foundation of your comeback.

Stay Committed and Believe in Your Comeback

Rebuilding credit from rock bottom is a lot like recovering from a serious injury or learning a new skill. It takes time, and there might be setbacks, but if you stick with it, you will see improvement. Patience and persistence are your secret weapons. There will be months where it feels like nothing is happening, or maybe your score even drops a few points (perhaps when an old account drops off, weirdly enough). Don’t let that discourage you. Keep doing the right things, and the score will follow.

It’s important to celebrate small wins. Did you pay all your bills on time this month? Awesome! That’s a win. Did your credit score move up from 520 to 540 after a few months? It may not sound like much, but that is progress in the right direction. Each 20-point climb is another step away from rock bottom. Maybe you settled a collection and now it shows “paid” – great, that’s one less red mark open against you. These incremental improvements add up.

Also, keep in mind the timeframes: as noted, most negative marks drop off after seven years . Every month that goes by, you’re one month closer to leaving old mistakes in the past. And as the negatives age, they hurt your score less. Meanwhile, the new positive records you’re creating (on-time payments, low balances, etc.) are building your score up. In the credit world, older is wiser – a 2-year-old paid-on-time account looks great, whereas a 6-month-old one is just getting started. So give yourself that time to age into a better credit profile.

Mindset matters: Try to frame this journey as something empowering. Instead of “I’ll never dig myself out,” start telling yourself, “I’m learning and improving little by little.” If you catch yourself feeling ashamed about past mistakes, remember that you can’t change the past, but you are changing your future with every good decision. It might help to visualize what good credit will mean for you: maybe it’s being able to rent a nicer apartment without a huge deposit, or finance a reliable car, or just the peace of mind of not being afraid to check the mail. Picture your “comeback story” – you’re the hero turning things around, and this tough time right now is the low point that makes the comeback so powerful.

Whenever you feel like giving up, consider reaching out for support. Talk to a friend or family member who is good with money or just someone who will cheer you on. Join an online forum or community (there are subreddits and forums for people rebuilding credit, where they share tips and victories). It’s motivating to hear others’ success stories: for instance, people who raised their score from the 500s to 700s by methodically paying off debt and using a secured card, or those who went from bankrupt to being homeowners again after 10 years. These stories are real and show that there is always hope.

Finally, be kind to yourself. Your credit score is not a moral score. It’s easy to feel guilt or shame, but remind yourself that you’re taking responsibility now and that’s what counts. Many of us were never taught about credit in school (or at home), and we only learn after making mistakes. That’s okay. What’s important is that you’re learning now. As one credit counselor told her client, “I was struck by her compassion and her ability to set my mind at ease and reassure me that I could get through this” . Consider this guide (and Plan My Comeback in general) as that reassuring voice for you. You can get through this.

Your Road to Recovery: One Step at a Time

Rebuilding credit from rock bottom won’t be quick or easy – but now you have a roadmap.

Let’s recap the journey you’re going to take:

1. Understand credit and believe that it’s fixable. You learned what credit is and why it matters, and that many people have overcome bad credit so you’re not alone.

2. Check your credit reports and dispute errors. Face the facts, clean up mistakes, and clear any wrong information dragging you down .

3. Address your debts strategically. Communicate with creditors, pay what you can, prioritize smartly, and get help when needed instead of suffering in silence.

4. Build new positive credit steps. Whether it’s a secured card, a small loan, or becoming an authorized user, start adding good marks to your credit file with on-time payments.

5. Develop rock-solid habits. Pay on time, live within a budget, keep balances low, and avoid the traps that hurt credit. These habits will carry you not just to a better score but to lasting financial stability.

6. Stay patient and hopeful. Every good month is progress. Give it time to see results and don’t give up if it’s slow. Remember why you’re doing this – to give yourself and maybe your family a better life with more opportunities.

Your credit comeback is absolutely possible. It won’t happen in a flash, but if you follow these steps, in a year you’ll look back and be amazed at how far you’ve come. Picture looking at your credit score one year from now and seeing it higher than it is today – it might be hard to imagine, but it’s very likely if you put in the work. Two years from now, those late payments will be two years in the past and you’ll have two years of on-time payments replacing them. Little by little, the negative gets outweighed by the positive.

Keep this guide as a reference. Re-read the steps whenever you feel lost. And remember, every expert in credit was once a beginner who knew nothing. You’re educating yourself and taking control – that’s huge. Be proud of each milestone: first dispute sent, first collection paid off, first credit card used responsibly for a year, etc. Those are the building blocks of your new credit history.

Lastly, don’t forget to acknowledge the emotional side of this journey. It’s okay to feel anxious or impatient. When those feelings come, take a moment to breathe and remind yourself that you are doing everything in your power to improve. Forgive yourself for past mistakes – they’re behind you. Focus on the fact that today you are making progress. Even reading this guide is progress!

You are not defined by your credit score. But improving that number will open doors and reduce stress in your life, so it’s a very worthwhile goal. And you’re on your way to achieving it. Keep going, one step at a time, and soon you’ll be telling your own success story of how you built your credit back up from rock bottom. Your comeback has begun – and we’re cheering you on every step of the way. Good luck!