I am trying to repair my credit on my own TU 580 EXP 601 EQ 550 I HAVE STUDENT LOANS WHICH ARE CONSOLIDATED BALANCE IS 35,000 😢😢😢 IN GOOD STANDING WAS ABLE TO GET 2 PREMIERE BANK CARDS AND A MIDLAND ACCOUNT REMOVED ORIGINALLY WASN'T ABLE TO GET CREDIT IN 2014 NOW I HAVE A VS CARS LIMIT 450 BALANCE 300, YES I KNOW IT'S HIGH, CAP 1 300 LIMIT BALANCE 176, KHOLS 300 CL 94 BALANCE AUTO LOAN ORIGINALLY 12,900 DOWN TO 9400 CAN'T TRADE WHICH IS MY GOAL BECAUSE I'M UPSIDE DOWN...HOW DO I GET MY LOANS UPDATE SALLIE MAE REPORTED LATE BUT I WAS IN FORBEARANCE....I JUST NEED HELP I NEED A NEW CAR DESPERATELY I MADE MISTAKES EARLY IN LIFE BUT I'M TRYING TO GET ON TRACK...I'M PAYING CC BALANCES DOWN NOW NOT USING THEM