text: Unfortunately, your credit will not improve significantly until you get spending under control. Once that's done, you need to start saving SOMETHING so an emergency doesn't kill your effort to establish good credit. Work on paying the most current judgments & collections. Don't close out old accounts. Use ONE charge card monthly for some minor expense and PAY IT ON TIME. Limit credit inquiries, particularly multiples in a short period of time.The rest, unfortunately, takes time. Good luck!