If you have a low credit score, it is probably because you have missed or late payments on at least one account.
First things first - make sure you have enough money to cover your basic needs before you worry about debt payments.
Keep working through the toolkit to learn how to deal with the negative accounts that are bringing down your score.
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To Do: Make a list of your income and expenses. See if you have enough income to cover your basic needs, and if you do, how much you have left over for debt repayment. If you do not have enough income to cover your basic needs, schedule a coaching appointment.
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Go to previous section: Freezing Credit: When, How, and Why
Go to next section: What To Do if You Can’t Afford Your Debt Payments