<prompt> Human: Im 21 and my credit score plunged within that past year because of some discrepancies with my student loan and a few other factors. My credit at 19-20 was 700 but I missed some payments on my VS and Macys store credit cards and got sent to a collection agency because of a hospital visit. Cash was paid upfront for me to get an x ray on my shoulder only way I could even be seen by a doctor and radiology specialist, but I was also billed later.. my parent took care of It a while later but It still affected my credit.What can I do to rebuild my credit kinda fast? Is there a card for badpoor credit that is pre approved or has a high approval rate?  <response>: There isnt a fast way to rebuilt credit. You just have to deal with those mistakes keep making on time payments and keep your credit card balance less than 50 of the limit. 