Need help with my 480 credit score

Need help with my 480 credit score I’m 22 years old, After leaving the army I couldn’t afford to keep up with the payments of car, rent, insurance, food etc so I made a lot of poor choices. Total I have $22,000 worth of debt with 14 late payments total , 9 of which are on my car note. Most are from 2023. $10,500 is what’s left on my car $5,000, $2800 & $800 in charge offs The re...

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