Have you damaged your credit score to the point where you fear that nobody is ever going to give you a loan or another credit card again? There is no need to fear that this is an irretrievable situation. It is not, but just as the damage to your credit score took place gradually over time, fixing your credit score too will take time. Slow and steady wins the race is an adage that you can apply to yourself as you start on the path to raising your credit score. Be patient, diligent, and consistent as you apply these strategies and one fine day, you will wake up to a credit score which you can be proud of!