Also to add , not as like more of an excuse or anything But my parents didn’t teach me literally anything regarding finances , so I’m really trying to figure everything out on my own

So what is your proposed suggestion for helping raise fix my credit score. I do need to go up so I can get approved for my next apartment and eventually have more lines of credit. Obviously I’m not good with credit cards or finances or else I wouldn’t be in this situation Lmfao so not really offended by your remarks. I’m just sick of being paralyzed with fear and anxiety because of this and everytime I ask people for suggestions I get such an overwhelming amnt of diff responses

Starting a payment plan for my car debt soon!! Would mt credit go up from this even with the delinquent marks?

So I shouldn’t use my card more often and pay it off more often to help boost it? There was a point in time where I didn’t use the card for months but unfortunately let the balance sit which was a killer. Also to mention I already work 40 hrs and am not allowed to receive OT. I’ve considered a part time job until I get hired permanently, but I already have limited time as it is :/