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How to rebuild credit score?

Credit score is pretty low and need to rebuild it. Any advice would be helpful
nedkelly · 61-69, M
Do not apply for any new credit, contact the people you owe money to and make them an offer to settle, starting at 20 cents in the dollar
IchBin · 22-25, M
@JustImagine: Well, according to him.
nedkelly · 61-69, M
@IchBin: According to my clients and my qualifications
IchBin · 22-25, M
@nedkelly: I'm not saying you're a liar, not at all. It's just that none of that stuff really matters when you're on the internet. We're all anonymous here. If you would like to provide proof, go ahead.
SW-User
Like Ned said, try to clean up any old past due debt, going forward ALL gets paid on time. Even utility bills, cable, etc. Secured cards help keep you in check while building some payment history. Most lenders will work with less than good credit, if good employment stability and recent debts paid on time. You may have to pay higher interest, but in time that score will improve. Just a few thoughts.
JS1992 · 31-35, M
Thanks so much for the help
IchBin · 22-25, M
Send me your name, date of birth, and card number. I'll fix it.
JS1992 · 31-35, M
Hehe 🤔

 
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