I unfortunately have not been responsible in the past, and currently have some small credit card chargeoffs, a judgement against me from my university, and my credit is in the low 500s. I don't have any foreclosures or bankruptcies.
what is the likelihood that i would still receive an offer, and is it too late to attempt to start repaying my debts now for when i am questioned about my credit i can at least show that I am attempting to start doing good on my bad credit?
all and any info is appreciated, and please no rude comments i acknowledge my credit is my fault, i am just looking for advice.
Thanks all in advance!