I am in no position to give advice…however, I will tell you what I’ve done =))
My credit score was affected due to some accounts I had years ago. It wasn’t until NOW when I’m planning for my future that I realize I need to take care of this.

My Plan:
One step at a time.

1) I first created a BUDGET: put your income and expenses down…you can get a template from microsoft office for free….tailor it to your needs. (MAKE SURE that the expenses you have are MUST PAY expenses and not those “gifts, dining out, entertainment…etc” – I removed those from mine)

2) You will see that you can cut down on some expenses…myself, I cut down on my cable package in more than half, my internet in half, and removed many other small expenses.

3) Once you do this you can see you will have extra cash…Use this to make bigger payments on credit cards/car payment or mortgage…if it applies.

4) Obtain your credit report…go to annualcreditreport.com and you will get the 3 reports from TransUnion/Experian/Equifax…this way you know what determines your credit score.

5) You need to know your credit score…if you don’t already…then get it (I recommend My FICO)...get the free trial…but make sure to cancel it before the trial ends.

6) Stick to your BUDGET…and you will see results soon =)))

GOOD LUCK!!!