Hi so I currently have a very low credit score due to failure to pay credit card. I was very very young and dumb and lost my job. I have two credit cards I maxed out and never paid. That are like two years old. Will paying these improve my credit score? It just went up 23 pts in three months after slowly dropping over the last few years. I have credit inquiries dropping over the next few months to the point I’ll only have 2. I recently opened a phone line and I know paying it on time will help raise it too.