Hi, I'm sorry about the issue, I would suggest following these advice : Pay More Than the Minimum, Spend Less Than You Plan to Spend Pay Off Your Most Expensive Debts First Buy a Quality Used Car Rather than a New One Save on Groceries to Help Pay Off Debt Faster Get a Second Job and Pay Down Your Debt Aggressively Get a Consolidation Loan Speak with a Credit Counsellor - It's Free Invest Money on Cryptocurrencies Thank you