<prompt> Human: My credit score is 578 and that is because I did not ever deal with my financial situations wisely for whatever reason. I have hired a law firm to fight some things on my credit report such as medical bills and student loans. Good news is that I just paid off my student loan today. However I can not get approved for a credit card or loan. I have no idea what to do except wait for this credit report battle to come to end to see where I stand. any ideas? need more info?  <response>: First of all, congrats on paying off the student loan! I have hired a law firm to fight some things on my credit report such as medical bills and student loans.What are they exactly doing for you? Most credit counseling services are pretty big scams, that ask for a monthly fee in return for doing things you could easily do yourself. Are there actually legal issues here, or did they just tell you not to pay and are trying to get it written off? We dont know much about your situation based on your post, but it might be worth ending this service.As for new credit, my only suggestion would be getting a secured credit card, and paying it off in full and on-time every month. Over time, that will help you build back your credit score so you could qualify for loans. 