<prompt> Human: Im about a grand in the hole right now for some credit card debt that I couldnt pay because I was unemployed for a period of time. The limit was 700, and the rest is because of late charges and missed payments. Ive gained employment and want to pay it off as soon as possible, but Im wondering what this has done to my credit score, and how long it will likely take to fix it? I can provide more information if needed  <response>: Creditkarma.comGo check it out and find out. Not exact but it will give you a good idea of what damage has been done. 