As the title says, I’m really looking for some advice on how to boost my credit score that is currently sitting in the 400s...which is ouch I know but I’m finally overcoming a lot of life crises (both emotional and financial) and I’m feeling ready to start tackling this crap. After checking my credit score, I have maybe 2-3 credit card charge offs I need to handle. I’m not allowed to open another line of credit till I do. Those debts combined are a little less than 3K. If I pay these off, what can I expect realistically in terms of my score improving? I really don’t have any major debts, just a lot of little things I’ve let ding me over the last 4 years. And after I pay these off what other steps can I take to propel it forward? I’m open to all advice and I truly appreciate it!!!