u/Flaky_Park_4903

How can I rebuild my credit and clear my name after paying off my credit card debt?

1st credit card ko kay BDO with 30k+ due. Hindi ko siya nabayaran for almost 2 years since nawalan ako ng work and hindi enough ung nagiging income ko ininform ko naman sila before na babayaran ko siya pero matatagalan lang. Now, gusto ko siya isettle, however nasa 3rd party collection agency na siya. If ma-settle ko ba siya, possible magamit siya ulit or mag close na ung account? Also pano ba ma-build up ulit ung credit and ma clear ung name ko to qualify sa mga future applications ko? No hate please. I know I was irresponsible back then and now gusto ko na bumawi at i-clear ung credit history ko. 🥺