Welcome to Fluther. Well, you can’t fix your credit score “quickly”; that’s actually one of the good things about it as an indicator of a person’s reliability. That is, it reflects the person’s long-term approach to life in the credit world; it takes a fairly long history to create, and it can’t be changed overnight. But if you have current and ongoing credit problems, then you have to do what may seem impossible, and stop spending money that you don’t have. Cut up your maxed-out cards (don’t try to “cancel accounts”, as that actually worsens your score), and stop using them online, even if you are permitted to do that. YOU have to stop spending money; that’s why this indicator of your handling of that responsibility is an indication of your character. You say that you are training for a job, but it appears that you do not yet have the job. So you should own up to your current problems when you do interviews for a paying position. So many companies use credit scores as one of many indicators when they hire, that it will be in your own best interest to admit that “my credit history is bad because I’m so broke, but I intend to pay off all of my creditors”. A credit history that shows a low score, a lot of past due debt and no serious attempt to stop spending money that you don’t have indicates low self-discipline, and who is interested in hiring that person?