Messed up my credit at 20. Is it over for me?

Messed up my credit at 20. Is it over for me? I’m 21 now. When I was 19, I had an average 750 according to the 3 credit bureaus. Totally fucked it up a year ago when I lost my job while having a balance (3-4k) on Amex cards which went unpaid for months before my accounts were closed and referred to collections. As of 8 months ago, I have paid off every single credit account I had. I owe ex...

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