<prompt> Human: SO my parents opened several credit cards as referrals or to get points with my permision and to help me build credit. For several reasons, they forgot to pay the balance on some of them, causing 30 and 60 late day payments on some accounts. My credit is now down from mid 700s to 610. I cannot get most credit cards now. My plan:1 open up credit cards to help rebuild credit2 send goodwill letters to the companies explaining my situation in hopes that they can remove it. what else should I be doing? I dont want to throw my parents under the bus. They had good intentions.  <response>: take the existing cards back from your parents, pay off the debts, and start using them responsibly to raise your score. 