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The first thing one needs to keep in mind is "they're not the only one in this sticky situation". They are many who fall in this category, with the recent economic crisis and loss of jobs most witnessed a deep dive in their credit score. However the key is to focus on improving the score, rather than worrying about the future and feel the inability to rectify the situation.

One is expected to analyze the given situation and see what led to a down trend in the score, once the source of the issue is understood it makes it easier to work towards it and help build a better score.