I graduated university near a fairly full-size loan and was not organized near paying my monthly payments. My credit score is enormously bad, I can't even bring a credit card from my bank!

I own a decent chore and have be paying my monthly payments on time and I recompense more than is required per month.

I am just wondering, if I hold this up, how many years or months until my credit gain improves? Now that I am more financially aware and responsible, I would love to know how to apply for a credit card and have it approved!

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