Credit scores can be fixed and raised up again once you have damaged your credit score.
But if you want to raise and fix your credit score it cannot be done really quick as it takes some time to get your credit score back to a good score.
For me it took me around 2 years to get my credit score back to a high credit score from a really low credit score.
If you have a low or bad credit score a good way to increase your credit score is to sign up for a secured credit card and then put up a deposit for the credit card.
The deposit that you put up for the secured credit card is usually around $200.00 and then that money becomes your credit line.
You then take the credit card and then use it like a normal credit card and as you make purchases with that credit card you'll be billed for that credit card use.
You then pay the credit card bill on time and use it responsibly and after a year or 2 years of using the credit card correctly and paying the bills on time you'll have a higher credit score.
Then you can get approved for a regular credit card and then continue to raise your credit score.
You can hire credit repair agencies who can help get your credit score back up by getting negative things taken off your credit report.
But getting other loans and secured credit cards and paying the bills on time helps tremendously to help raise your credit score.
You can also check your credit score for free through CreditKarma