<prompt> Human: Hello! Heres my situation. My credit score is a ripe 389. I have about 3k in CC debt with a few missed payments, 6k in a business loanin collections. 20k car loan NEVER missed a payment, car was just totaled, insurance covered 14k, Gap covering the rest and a 1k installment loan. I got scammed three times on payment processors with a business of mine chargebacks so Im sure they will hit collections at some point total amount of chargebacks10k. Currently I make around 25kyr, I have an interview for a job in the coming weeks that pays about 50kyr. I have one child. Bills are: Rent - 625 Electric- 75 much higher in summer, in AZCar - 297Phone - 120Food - 230Insurance- 98Internet - 49Loan - 125Child Care - 780I had a 715 last May. I want to get my credit score repaired and get back on track. Can anyone help me build a plan? I know I fucked up my credit, I know. I want to be better.  <response>: You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. See Reddits page on commenting for more information.I have attempted to automatically reformat your text with fixed line breaks.--- Hello! Heres my situation. My credit score is a ripe 389. I have about 3k in CC debt with a few missed payments, 6k in a business loanin collections. 20k car loan NEVER missed a payment, car was just totaled, insurance covered 14k, Gap covering the rest and a 1k installment loan. I got scammed three times on payment processors with a business of mine chargebacks so Im sure they will hit collections at some point total amount of chargebacks10k. Currently I make around 25kyr, I have an interview for a job in the coming weeks that pays about 50kyr. I have one child. Bills are: Rent - 625 Electric- 75 much higher in summer, in AZ Car - 297 Phone - 120 Food - 230 Insurance- 98 Internet - 49 Loan - 125 Child Care - 780 I had a 715 last May. I want to get my credit score repaired and get back on track. Can anyone help me build a plan? I know I fucked up my credit, I know. I want to be better. ---I am a bot. Contact pentium4borg with any feedback. 