Okay, i am 20 about to turn 21 in june. I have a decent gov't job making 40k anually. myFicor now is 589. I was stupid and fell behind on a couple of cards i had and my father bailed me out. Currently i have a USAA Credit Card with a 1000 balance which i keep a low balance on. What should i do? Can i see if my previous creditors will remove the negative history because i paid off and closed the accounts? Or will it take time to recover my score? FYI my score jumped up 25 points the other day randomly.
