There isn’t a quick fix you pay it and don’t incur any more negative marks and then you wait. As long as you have at least one open credit line it just takes time. Not sure why you feel “doomed” though there are much bigger financial issues to focus on some of which you might be facing. Why were you overdrafting? Do you have a good budget you…
You may find these links helpful: Credit Building Credit Reports Credit Scores Credit Cards I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.