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First of all, don't feel bad. Many people have suffered setbacks to their credit score due to a divorce, illness, or other event beyond their control. The key is to be proactive about repairing your credit, which you are already doing by asking this question. Second, be prepared to be patient. You may not be able to improve your credit score quickly, but given some time, you can get it back to where it used to be. Even the worst credit marks, like bankruptcy, fall off your credit report after seven to 10 years. The best thing to do is get in touch with your creditors and tell them what's going on. Set up payment plans to pay off your debt over time. Stick to the plan, make your payments, and get a secured credit card so you can begin to rebuild creditworthiness. Before you know it, you'll be on the road to repaired credit. Also, there are cards that do not require excellent credit to apply. For example, Fred Meyer shopping card can be of a great help if you are their loyal customer.