How do I start building my credit after basically destroying it at 18?

Hi guys. So, I am about to turn 21 soon and, according to credit sesame, my credit score is at a 457. I’ve had 2 charge offs totaling at almost $6,000. That includes having my first car repossessed after not paying on it for around 8 months and also opening a line of credit at a finance business and not paying on that either.

I was never taught about credit by my parents and I have no clue how it works. I don’t know how to resolve this. Me and my boyfriend want to buy a home together in a couple of years but I know with my current credit score it will be impossible. I start my new job on Monday, and when I start getting a steady income in we’re getting an apartment together and I want to focus on saving money and building my credit back up.

I honestly just have no clue what to do or where to start. All advice is greatly appreciated. Thank you.

Edit: Also, I forgot to add the part that I have 3 bank accounts currently overdrafted by hundreds due to multiple payday loans.



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