I ruined my CS

I’m 27. Long story short, I ruined my credit by not paying off my first credit card, and only paying bills when I got a final notice.

I genuinely did not know anything about credit until I was 23/24. This goes hand in hand with the lifestyle I lived at the time, I was a waitress and the majority of my income came to me in cash.

I got a new credit card at 24 and was paying off the minimum balance every month to keep it from being cancelled. Up until about 18 months ago I was making dogshit money. Like eating rice for a week to afford rent kind of money. But I would still pay my minimum payment… it finally paid off and now I’m making $80,000 a year, I’m paying off my credit card in full every month, and I have zero debt.

I’ve seen an improvement in my credit score, but it’s still pretty awful. If there is ANY advice anyone can give me, I want to hear it. Paying my bills off every month is a given. But if there’s anything a scrappy little fuck like myself can do to speed up the process, I want to hear it.