I’m 27 years old and I’m afraid that I may have ruined my credit and don’t know how to fix it. I racked up credit card debt faster than I could pay it off and have ended up with multiple charged off accounts and multiple with high balances still open. I know that I need to make changes and I need to start now. I don’t want to ruin my life because my credit is poor but I don’t even know where to start. I really need advice as to where to start. I’m completely lost and losing hope.
