Here is the story – In 2023, I left my college on a medical leave of absence because I was mentally unwell. I went in and out of the psych ward a total of 3 times, and in February 2025, I got my first 90-day late mark on my account. I didn't know it was happening; I just started to understand credit somewhat. In early July, I went into an IOP till September, and then got a grip on reality, and I paid off my 1 of my two loans in one go in September, and paid off the other in the first week of November. Is there anything I can do to improve my credit at all? I feel very stuck and that I won't be able to get out of this hole I created for myself when I was 18. I got the Chime Credit Builder card to build something because I can't apply for any credit cards.
Posted by No_Path6736