I have bad credit a score of 560 average from all 3 companies!
And I want to build it somehow.....someone told me to try a secure load I think were I give them a certain amount to secure the loan? But how can iI do that if my credit is so bad?
I have paid my credit card bills, I had 3 of them that is 3 years over due but no change so what should I do?

Thanks For The Help!!!!!