What is the best way to repair your credit?

All of my past credit history has dropped off and now I am faced with having no credit. I have heard jewelry store credit is the easiest to get, but I cant even get that. So, how can I get some credit to start re-building my credit.

Asked By: - 8/22/2010
Best Answer - Chosen by Asker
If you do not have a credit score because you have not established credit yet, the good news is that you probably are not haunted by an array of unpaid debt... More
Answered By: - 8/23/2010
Additional Answers (4)
Answered By: RAGE2012 - 8/22/2010
Go to your bank and speak with the manager. Ask them to help you get a Visa or Mastercard with a low limit and no annual fee. If you have been a good bank customer with the account problems in the last couple of years, this shouldn't be asking for the moon.
Answered By: Sharon T - 8/22/2010
First, stop trying for a year. A history of too many recent applications may be the reason that you cannot get anything now. Second, get a "secured" credit card. Many "secured" credit cards are available to individuals without any credit.
Answered By: StephenWeinstein - 8/22/2010
Another possibility is to join a credit union. They are much more forgiving when it comes to no credit or even less than perfect credit. Not to mention that their cc, loan & mortgage rates beat out any bank out there!!! A good credit union is your new best friend!
Answered By: Mo - 8/22/2010
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