text: poor credit. based on years of ignoring credit report and poor spending choices. now wiser. how to repair??? i do not qualify for credit cards. haven't for years. owe about 50k, about 35k in school loans that are now in collections. license revoked due to judgment about 15 years ago. that one isn't even on my report any more!! some medical and other, but mostly judgments and school loans, which cannot be discharged with bankruptcy. still cannot manage money. each payday, about $30 to $150 in nsf fees. any suggestions? unfortunately, your credit will not improve significantly until you get spending under control. once that's done, you need to start saving something so an emergency doesn't kill your effort to establish good credit. work on paying the most current judgments & collections. don't close out old accounts. use one charge card monthly for some minor expense and pay it on time. limit credit inquiries, particularly multiples in a short period of time.the rest, unfortunately, takes time. good luck!