Life happens, bills get lost and sometimes don’t get paid on time. Money is tighter some months than others, credit cards are easy to use and sometimes they don’t get paid off on time. Layoffs and job changes, it happens, and it can show up on a credit report. Don’t worry, it can be fixed.
Take a look at your credit reports and make sure there aren’t any mistakes, and dispute any errors if you find them.
Pay down some of those credit cards—pay them down, don’t move the debt to another credit card.
Pay your bills on time. If you need to contact your creditors and work out a payment arrangement to pay your bills do so.
