Right now the combined total that I owe on 3 very low limit cards is $5900. I started working last month but my hours have been cut in half.

Next week I only work 16 hours!nlast month I got 32 hours a week. What a joke! I did get more hours when I asked for them, but they ignored my last text which isn’t a good sign.

Anyways, I estimate that it’ll take me 2 years minimum just to pay off the minimum amount each month

I only make $19 an hour. Once my credit card bills are all paid iff, will my credit score go up instantly or not?

Right now it’s bad at 500 something. I can’t even get a store credit card anymore!

Also once I start paying my credit card bills, they’ll never be late again.

My husband purposely paid my bills late all the time to keep my credit score low.

What else can I do to improve my credit score fast?

Will my past negative history prevent me from ever having good credit or being able to qualify for high limit cards with low interest rates again? We declared bankruptcy in 2000.

Once it’s paid off, I’ll never get myself into this situation again.