There are a lot of reasons one’s credit rating ends up in the toilet. Once it happens it may seem tough but a bad credit rating can be turned around. It takes time and some work but it can be done.
When your credit goes south it’s time to stop the charging. You don’t necessarily have to close all of your cards, in fact having some open where you have paid down the balance can actually help you. But you can’t get them paid down unless you put a freeze on them. If you combine this with paying as much over the minimus as possible you will be amazed how quickly you improve credit ratings.