Hello everyone!!!

I recently got the following comment from a reader and wanted to include you all in the assistance process.

How would I start to fix just horrible credit? I doubt I will ever be able to come out of it, but I now know the horrible truth that I wasnt taught at a younger age. I have defaulted on every card I have ever had. I am only 22, so I hope I still have time to dig myself out. I need to change my life, with money, but I just need help in the right direction. I am looking at about 17k in debt.”

What advice would you give this reader on how to get started with improving on bad credit? Please post your answers in the comments below!!!!!