When realizing that it may be time to rebuild ones credit may seem impossible, it's NOT!!!
1. Start by getting a copy of your credit report.
2. Keep the accounts in active status. Use the Credit Card at least once a month. Make sure you pay the minimum payments on time each month.
3. Get a secured credit card and use it as much as possible instead of your cash. Most banks will allow consumers to get a secured credit card by applying their own cash to it.
4. Become authorized by a family member. If you can find a family member that will trust you and put you on their account as an authorized user it will show on your credit history.
5. Get a department store credit card. Store cards are easier to receive, but usually have interest rates. This is a good way to establish credit just be careful that it's usage does not get out of hand.
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