<prompt> Human: So heres my situation: I hold a single credit card that I have now maxed out at its 6,000 limit, because of mistakes I made surrounding the months after my 21st birthday, while I was out of work. I am working again, but I havent been able to make a payment since September. Im trying to earn enough to start reducing the debt Im in, but I dont know if its too little, too late.Until September, I had been pretty good at paying my credit dues, but due to unemployment was unable to make payments until now, and still cant because the amount Ive earned thus far isnt enough to make the minimum payment.My living situation is rather favorable, as I pay a monthly amount for room and board. I just want to know if I can save myself yet, or if its too late for me.  <response>: Make your payment as soon as possible. September wasnt that long ago. Go pull your one of the big 3 credit reports now Experian, Equifax, Transunion. In 4 months pull another credit score from the same website but from a different one of the big 3. In 8 months pull the 3rd credit report from that site. This will let you monitor your credit progress. Dont worry. We all have blemishes from stupid things. Just dont let it ever happen again... 