My credit is so bad I can't even get a secured credit card! I am in the process of rehabbing a defaulted student loan. I have between 2 and 8 collections on my CR's. I have about $50,000 in student loans. I know that I used extemely poor judgement in the past related to my finances. Today though and for the past two years I have changed my ways and am being as responsible as I can. I have managed to clean up my reporting errors as much as I can. Do I have to sit back and wait 7 years before any improvement will come about with my credit score??? This feels like HELL!
