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well it depends on how much your in the hole for thts how much you have to pay off to have perfect credit…..
well alot. lol you have to 1) pay off all your debt, 2) get ahead of all your bills, 3) stay ahead of the bills, do not be late for payments and make more than the minimum payment. do that over years and credit should become good :)
You can’t pay off bad credit, your credit score looks at past credit history, and your current debt to income ratio. If you live paycheck to paycheck chances are you do not need nor have any available credit. If you are a single family income is is best to live on halve your income, if dual income no more than 60% of the total family income.
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