I know it is bad, i am finally growing up and realize how terrible the affect of being young and carefree is. I have a good job and am more stable. I don't have much debt anymore. I did pay off a bunch in chunks about 3 months ago, basically settling depts, now i realize that may have not been a good idea.
What is the best and fastest ways to get my score to increase. I am 32 and feel like i will never be able to own a home.
Should I attempt to get new credit and make sure I pay on time ?
What basically screwed me up is not paying my bills on time.
Any guideness or help is much appreciated.
Thanks.
