Looking for advice on how to fix my credit

J

jessica thomas

Member
I need to fix my credit, but I don’t know where to start. Right now, my score is low 600s, and I have a few closed credit cards with balances that I’m trying to figure out:

Apple Credit Card: $1,500 limit, $1,700 balance. Closed June ‘23
Bank of America: $600 limit, $800 balance. Closed Oct ‘22 (Collections)
Discover Credit Card: $750 limit, $900 balance. Closed Jan ‘23
Since I don’t have any open credit cards, I feel like I’m stuck in a credit limbo. Should I focus on paying off old balances first, or is it better to get a secured card and start fresh?

Anyone with experience rebuilding credit—how did you do it, and how long did it take?
 
I have been there! try to settle or pay off that collection first since its hurting your score the most. Getting a secured card can help you start fresh and build positive history while you chip away at the old balances. It takes time but steady payments and lower debt will get you back on track
 
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