If your credit score is low, a secured loan is the best choice for you.
There's a card for everyone but be prepared for some high interest rates. You'll just have to work your way up unfortunately.
There really isn't an easy way. There is just paying off your debt or not. I would advise you to just stick to making payments on time and do double the minimum payment they expect. So if a minimum payment is $25, you pay $50.
^ That is actually good advice not really many people mentioned. You never want to just pay the minimum. I know for a fact that when I was doing that, over time, my scores were dropping.
Are you able to make payments each month on the debt you have and no struggle? If so, consider doing some kind of loan or opening a store credit line. Just use it and pay it the next month. This will help.
Fixing your score requires you to pay off your debts but not so fast that your scores don't improve. It is very tricky. Just make payments above the minimum, I recommend 2'x the minimum and you should see improvements.
There are several things you can do to improve your scores but there is no one true easy fix. I recommend analyzing your credit percentage and trying to improve that for starts. Getting it below 30% is ideal.
lavinia: There are several things you can do to improve your scores but there is no one true easy fix. I recommend analyzing your credit percentage and trying to improve that for starts. Getting it below 30% is ideal.
@lavinia So you are saying that all my available credit combined should not be over the 30% mark. I am fairly certain I am over 60%. I know a few of them I don't owe much on but others are almost maxed out.