After you’ve resolved the negative items on your credit report, work on getting positive information added. If you have some credit cards and loans being reported on time, good. Continue to keep those balances at a reasonable level and make your payments on time.
On the other hand, you might have to reestablish your credit by opening up a new account. Since past delinquencies can keep you from getting approved for a major credit card, only make one application. This will keep your credit inquiries low. If you get denied, try applying for a department store credit card. Still no luck? Consider getting a secured credit card.
Do's and Don'ts of Using Credit WiselyUsing Secured Credit To Rebuild Your Credit
Credit Cards That Match Your Credit Score
