It not hard to rebuild from a mistaken.We all made then or if you live long you will to. So on this page i will try to help you build back up your credit.First you must get a copy of all you reports and once a year that is free to you from free credit report.

Once you’ve made sure your credit reports are correct, the next step toward credit repair is to start paying each and every bill on time. Even if you’re just paying just the minimum amounts due, pay those at least. And right on time.

Just as delinquent payments and missed payments have a negative impact on your score, regular on-time payments have a big positive impact.

Simply put, the longer you pay your bills on time, the higher your credit score.You need to keep using credit for a pay history.Try to pay down the balance on the open acct. Also keep accounts active don't close them you can keep a min. balance just for the history,and if you get new credit cards only use what you can pay for. Keep an eye on that I know it hard but now you are on your way up, and the score is going along with you. You have negative marks on your credit report.Your credit history is too short.You have bad marks and high debt and you are to busy to repair and fit your credit report yourself  then please go to helpful sites for a better life there you will find the help you need.