How can I fix my credit score?

Whom is this money owed to a credit card a loan. Well make your payment always on time at least the minimium payment if that all ya got but pay it of as fast as possible cause you are just paying interest. If you owe a really lot of money bad and there is no way you can pay it, you are elidble to go bankrupt then you would pay nothing at all you owe but have no credit for seven years, also if not able to pay there's another way, some kinda settlement with who you owe to it like bankruptcy but they may figure out how much you owe your need year income and expences the figure what you can pay monthly and they may settle for as little %25 of what you owe also all interest payments are stopped they prefer you to do it that way at least they get some of there money back but your credit is still screwed for 7 years.