Need Some Advice and Motivation

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My current credit score is around a 540 according to Experian. Garbage, I know. Ive had credit history for almost the last 2 years. I have 2 active cards with available credit of 5K. Both maxed out. I had 2 other cards closed out and both have a late payment. And 2 installment loans both closed out but both also having a late payment. I need help with what the first step should be to fix my current financial situation. As well as steps to take after to keep my score consistently going up. Also, how long would it take to build the score up go average/above average (good)? A year? 2? 3?

I appreciate the help and understanding. Im excited to see what advice ill receive.

Edited: Added “Experian”

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Julio Medina

Just some guy on the interwebs. I'm interested in all facets of internet marketing and technology.

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