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I owe 3200 and my score is 546 I need help getting a better score
I have outstanding medical bills and a couple of school bills but no credit cards or anything. My report shows I only owe $3,196 and a score of 546 I wanted to know if there was Anyway I can get my score to become higher and put on a payment plan to get rid of my debt. Someone please help me I didn't know my credit played such a big part in my adult life no one ever prepared me for this I'm learning everything on my own.

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