What to do about horrible credit?
I just found out my credit score is now below 500. I had some financial difficulty over the past 2 years. I am currently on a debt management plan and I am making on time payments but I am scared that my credit is never going to get back to the 675 score I had before any suggestions. besides those companies that seem a little fishy. Or can someone tell me if my credit will fix itself by making on time payments