I have 3 credit cards of 3 different banks. I couldn't make the payment on the due date, and I have no communication with them. How can I build my credit again?

CCCS of Buffalo is a non-profit organization that provides confidential financial education and counseling. CCCS can assist with educating consumers about their best repayment options for debt, and best ways to improve their credit report and score (payment history is the largest component, so becoming current on those payments will be important if you are able to). For more information and help call 716-712-2060.

If you go on their website or call them, they'll set up an appointment and talk to you about that. They have relationships with pretty much all of the credit card companies. It's better if you can get the minimum payments up to date. They may even have phone numbers for the companies so you can contact them, if needed.