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sinkingindebt1990

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I have never had a credit card
And my credit is very poor because of a car I couldn't make payments on, past due bills, and applying for credit cards. I really don't know what to do to help myself out and get my credit up. Please help!

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The first thing you can do is start making payments consistantly, on-time and meeting minimums for a long period of time (years). Secondly, get yourself out from under any credit card debt and/or back payments on bills.

A lot of fixing your credit has to do with time and good behavior, almost like a jail sentence. You have to come out on the other side rehabilitated. 

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