Hi ladies I need a little help....... I just turned 22 I have a credit score of 450So I cant get shit!!!! I need to build my credit score up but I dont know how? I was thinking I should pay everything off which is about 8000 but then some one told me to file bankruptcy. What should I do???



So I cant get shit!!!! I need to build my credit score up but I dont know how? I was thinking I should pay everything off which is about 8000 but then some one told me to file bankruptcy. What should I do???

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The thing is I dont have creditcard bills!!!! I never had a charge card Just things like phone bill,a lot of medical bills,



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