I have noticed that my credit score is not increasing. Is it normal? What to do to increase score?

I have 4 payday loans and i'm drowning in debt. I can't pay my household bills and pay for my daughters college fees, because of these loans. What are my options here

how much the credit score can get down due to one late payment?

How will I know if certain payday loans are legal in my state? How will I know that?

My friend Lisa wants to increase her credit score before taking out a mortgage loan. She wants to take out a loan in next 9-12 months. Is it possible to raise the score by 50 points by that time, from 680 to 730? How long does it normally take to increase score?

Are we required to make any down payment for getting VA loans?

I have a query. I have debt to pay off. But, I have to leave the country for some days and can;t repay the loan fully before. I can pay the amount back gradually. Can I continue paying back loan from abroad?

If I opt for student loan deferment, can it make my credit score down? I am facing a financial crisis but have not been late of any debt payments yet

What are the costs (fees) of using a debt reduction or debt consolidation service? Anyone?

How much does a collection account affect credit score?