How to rebuild my credit after ruining it when I was a teenager? I’m trying to rebuild my credit but I don’t know where to even begin. I have two accounts in collections that total $1,656 with a 114% debt utilization, this debt is from when I was about 18-19 in high school about 9 years ago. I was an idiot, I didn’t know anything about credit then and I had cards with $3k & $2000 limits on them thinking I was…