I really need help, I'm 21 and I've messed up my credit, how can I fix it?

Two years ago I had a phone plan and I was paying it off but I had financial problems and I was unable to keep paying off which I ended up having to pay the full balance . Last year I got a loan through GE for a TV, I was paying it off but I due to personal reasons I couldn’t pay it anymore. Right now I have a payment plan with GE to pay it off. I now have two defaults on my record. Today I’m in a better financial situation and I want to fix my credit because I don’t want this to be an issue for me. submitted by /u/TheBatmansOP [link] [comments]

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