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The best thing that you can do is to try and pay off your creditors. You may consider a debt relief service or may simply try out a self-repayment option with your creditors. Your credit score will gradually improve. If you're too much into debt, call up your creditors and try negotiating.
credit
i tried to jucst click on the link from your post. It's not working correctly...sorry to say. But..........maybe I'll try something else.