My credit score is fucked. Like 540. But I'm only like 6K in debt. So I was thinking I'd just work really hard for a few months and save up the money and just pay it all off and be done with it. I know this won't raise my credit score immediately, but I figured if I do this, then get a secured credit card or a Walmart card or something, maybe in a year or so my score will improve? Am I correct? Is there something I should request my creditors put on my credit report like "paid in full" or something before I pay them?



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