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Where do I begin?

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Viperlx
New Contributor

Where do I begin?

So I feel like a have a huge mess on my hands and I don't know what to do. I am trying to rebuild my credit. I currently have 2 charge offs, a judgement, a repossession, and multiple collections. Many accounts also have late payments marked. I am looking into getting a secured credit card with a credit score of 523. Am I too far in the hole to recover?
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