How can you fix your score its a 442?

Answer 1

442 score probably means you have high balances, slow payments and maybe some written off accounts.

First of all, you should pay down your accounts as best you can and keep your payments up to date and on time.

Secondly, you need to be patience because you need to wait for your slow payments to be further into the past. I would probably wait at least a few years before applying for new credit.

And thirdly, put a consumer narrative on your file to explain why your score is low, so that if a merchant/lender pulls your file, they know you've reviewed your own file and given your explaination of your situation.