Half of these answers are full of ****. It won't take you forever to improve your score. No, you're not doomed. And if you started really low then you're doing fine as long as you keep making your payments on time. Honestly. I decided to just pay my credit cards once a week, and I've made huge strides in a fairly short amount of time. Don't let anyone discourage you, it's not hopeless, not even close. You just have to stay focused on your goals and you'll be fine. There's a lot of people who were fortunate enough or were taught at a young age and actually listened that haven't had to climb up from the bottom, so they'll automatically tell you, oh that's awful, you're just screwed. No...you're not, you just have to work harder. And you'll end up having a deeper appreciation for what you have, so there's benefits to both sides. Neither is better, they just require different focuses. Just stick to a plan, make sure you always have a good amount of credit available. It works.