Lori Whit wrote:You can build up credit with a secured credit card, if you want to go the credit route. (They still might turn you down for some reason or other, though!) It takes 6 months to a year. You have to put down money for the card, and that's your credit limit. Pay it off every month, get a second card when you can and pay it off every month, too. After a while you'll have a credit rating. The credit rating should be good, and climb steadily as long as you never go near your credit limit. (I think 1/3 of your limit was as high as you're supposed to go?) This was the advice I read when I was looking into building credit, and it worked for me. I've since cancelled all credit cards and don't know if it's worth the bother to hang onto a credit rating or not. But my rating is pretty good...at least for now!!
*edit* I should add I didn't have any bad credit to fix...I just always paid in cash or with debit before finding out that wouldn't give me a credit rating.