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It may take your score down by 200 or 250 points, on stays with your rerpot for 7 years, and slowly you could after those years rebuild it.  Pay off the cards with the highest interest rate first, and always pay more than you can on that card, and minimums on the other cards.  Then work each card down to $0.  Keep one open and buy something small, under $30, every two months & pay it in full to keep it active and to slowly rebuild your credit.  Avoid bankruptcy   unless you owe more than ~45% of what you make per year, and seek out a pro to help with bankruptcy if you must.  This is basic advice without a review of your credit rerpots, income and spending history.References :   Was this answer helpful?

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