How can I improve my credit score (rating/report)?
I started using credit since 2006. I am 24 years old. My current credit score is 469-480. Thanks to my reckless spending and now deliquent accounts. I have 5 deliquent accounts and 3 current accounts (all accounts are credit cards). I have recently enrolled for debt settlement with a third party company. I know my credit score could hit the minimums as long as I don’t get the debt settled. But I really want to improve my credit rating atleast after I settle those accounts. Is there anything I can do to improve it? Is there anything like credit repair? If there is, can you please elaborate?