Focus on paying back your debts in full and in a timely fashion whenever they are due. (valuepenguin.com)
If you can't pay back the debt in its entirety, you might be able to negotiate your debt by paying back a smaller amount in exchange for the creditor forgiving what remains. (gobankingrates.com)
The issuers don't know yet if you are capable of paying back debt on time. (creditdonkey.com)