<prompt> Human: So when I lived alone in San Diego I paid all of my bills on time working 2 alright jobs. I moved to Texas and got into the oil refinery business and started making 6x the amount I was making in California. Because of the new income I started making when it came time for me to pay my bills I would say to myself ill just pay it all off next paycheck but the problem is every paycheck I would say that. So long story short I ruined my credit and at 23 years old im hoping it isnt toolate to fix it. I would just love some guidance. Thanks  <response>: Pay what you owe, right now. This will stop the bleeding.Pay on time moving forward. Your score will improve in time. 