I am in trouble and not sure what to do. My current scores are Equifax 583 Experian 600 Transunion 591. I have no idea how to improve my scores.
Major derogatories about accts are trouble I had with paying my student loan in 2015-2016. I have 3 loans that are showing an average 9 payments 120+ Days with the last date being 01/16. I called an attempted to see if the lendor would remove some late payments and they will not. Aside from a few other collections that are less than $ 1000 this is the worse thing on my credit report.
What can I do to help myself get a 620 or 640 by early April if anything?