Best option to help my credit?

Best option to help my credit? Background: 24yr old student working part-time. $38k in student debt (which will go up as I’m still in school…), $3k charged off CC, $3k active CC, and $4k in savings. 648 FICO score (648 trans, 598 equifax credit scores per CK). Hi, I am looking for some advice on what to do to help my credit score long term. Basically, I got stuck paying for s...

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