Chosen by Asker

Join a credit union that's in your area and that has good rates (also ask them about the potential to do a "share secured" loan in the future). Start saving money in a savings account. Take out a small (maybe just $500-1000) share secured loan. Usually the interest rate for the loan is 2-3% higher than the interest rate you're earning on your savings (which is bottom-feeding right now). The credit union will very readily do this for you since they have the security against which you are borrowing, plus they usually do not pull your credit in order to give you the loan. Pay this off by making your monthly payments as agreed on time. Even though they don't pull credit to give you the loan, they will report this loan to the credit bureaus and thus enhance your credit history. Also, don't live outside your means. If you were so dependent on overtime to pay bills, then you had too many financial obligations to begin with. Start saving money for an emergency fund (like losing a job), and keep it in a liquid account (means you can get to it whenever without incurring interest penalties). Budget for everything you do - from the food you eat every day to large purchases. Just manage what you have well and be patient.

by leb

3 weeks ago

Asker's Rating: 

Use the card, pay the bill, repeat. Don't do anything out of the ordinary or that would not be in your best interest just to try to raise your credit score.

by G. Whilikers- 3 weeks ago

nothing is going to help you except time - several years worth of it

by Doctor Deth- 3 weeks ago

There's not really a "fast" way to build credit. It's easy (and fast) to ruin credit, but slow to repair it lol. Here's a really good article on repairing bad credit: www ... It also tells you how to get a free credit report, and explains why your score might be bad.

by MissyMiss- 3 weeks ago

1. Pull your credit report and clean it up. Any debts not reaffirmed should be listed as "discharged in bk." 2. Pay that card ontime and in full every month. 3. Save an emergency fund so that you won't NEED to go back into debt. And there won't be a risk of missing payments. 4. Continue to live on less than you make.

by Dark Green Money- 3 weeks ago

Secured credit cards are def going to be your best bet. Try a site called findsecuredcards and take a glance at the cards they have. You'll find that as long as you can supply the deposit, you'll get approved. This is a great way to boost your credit score up after bankruptcy. Good luck!!

by Robert- 3 weeks ago

There are lots of ways to fix your credit while paying the least amount possible. . A good option is to use simple credit repair to dispute the old bills, debt settlement to get out for less on the bills within the 2 year window I mentioned and then, if you can afford it, one of those authorized user tradeline programs to add some positive items to your report. Good luck.

by Kevin F- 3 weeks ago

Ask lenders for agreement to delete this items from your credit report when paying them. I recommend to get such agreement thru credit repair agency, for example this one - credit-report-free.totalh.com

by Clay- 3 weeks ago