Credit score of 542

[Chazaray]

Hey guys I’m finally in a financial situation where I can pay my bills on time, and rise my score.  Currently I have 1 outstanding debit of 309 and I am defaulted on my student loans but I am on a payment plan to get those back on track.  Is there anything I can do to help myself  get back on track?!  Thank you 

[Anonymous]

we are not credit counselors.  but major factors taken into account are a long credit history of timely payments.  lack of defaults,    those can stay on your credit history for 5 to 7 years.     try some free websites to see if there's anything they recommend.   Credit counselors?  

[Anonymous_]

I am not an expert in this area, nor a credit counselor, but I do know there is only so much that can be done while the rest is just a matter of patience.

In this instance, with a payment plan in place for the student loan and only one other (relatively small) outstanding debt, the best course of action appears to be remaining on the current path.