It will take a bit of time but you can get there.
Licensed REALTOR in Iowa
Mel Foster Co.
3211 E 35th St. Ct.
Davenport, IA 52807
Mobile: (563) 449-2482
Office: (563) 823-2222
* Pay down your credit related debt if you have any to below 50% of available balance.
* Resolve any open collections/chargeoffs/judgments so the accounts will stop reporting to the bureaus. Try to settle those debts if possible to reduce the amount owed.
* Open secured credit cards and use them, but pay them off or below 50%.
* Dispute incorrect items on your report after geting a copy of it, if they are incorrect.
As a side note. Being poor doesn't give you bad credit. Spending more than you make, and then not paying for it does.