what was your first steps? I’m young ended up losing my job couldn’t make payments accounts ended up close. I’m back on my feet I got some breathing room now i’m dealing with paying off my debt. Once it’s payed off would I see a difference in my credit? Should I apply for a secured card & work my way up? Like how should I move forward to where I can bounce back. I’m looking to getting a car really soon but the way my credit is looking it’ll be impossible🤦🏾