<prompt> Human: So I just finished paying off my car and it was the only installment loan that I have; I am only 20 years old. Now because of being an idiot and given two store cards that I neglected thinking it did not matter at the age of 18 my credit score, according to credit karma, was in the low 500s now since I was close to paying off my car I was close to the high 500s and was excited about having moderate credit for the first time ever.However, due to the two closed delinquent store cards and the now closed but paid auto loan my score went down to the mid 500s and I do not know what to do in order to improve my credit.I am planning on moving out next year since I will probably start my career soon at an entry position that would give me a starting salary of 30k with opportunities of rapid growth and fantastic benefits. Now I do not know if moving out would be possible since no credit company will touch me.What do I do? I was never prepared for this or told how to handle this in high school and my parents kinda just let me sink or swim on my own. I dont even know if this is the place to ask but I do need this advice. My life kinda depends on it.Assistant: People with bad credit have places to live. Youll find a place. Rebuild your credit. Good luck. Human: Well I just dont know what to do, hence the post. I do know that I can fix it with enough capital but that takes a long time.  <response>: It absolutely does take time, youre already in that boat. You cant put that toothpaste back in the tube. Find an apartment or a place you can afford that will rent to you based on you having a reliable income vs a good credit score and begin taking the steps to being financially healthy. Build savings, retirement account, rebuild credit. It takes a long time, its a journey 