I need to understand how can I fix my credit in the next year. I fell behind in a lot of my bills and ruin my credit card when I left for school. My credit score is below a 500 and I had trouble keeping up with all my bills. I work all the time and I do not go out and spend money and buy things. I try to keep my money and pay for things, but I have so much trouble. I’m 27 and still trying to complete school I in the next year and a half, and I work full time as a waitress near end. I really want my FICO score and pay all my bills and repair my credit. Someone with knowledge of this …. Please help me my outstanding loans (excluding my education) is about 30,000, which has much to do with medical bills …. I should be on medical bills or worry so much, I should always consider also impt?