The honest answer right now is you can't! You need to talk with a lender or broker who has experience in helping you in your local area to "boost" your credit scores. Without seeing your credit, there is no advice I can give you except that you need to keep your balances below 50% of the high limit, and you need 3 accounts paid on time for the past 12 months. Getting added as an "Authorized user" on a relatives card will boost your score if you get added to an account that is open active and has a very very low balance, and has always been paid on time, with a long history of payment. Good luck to you.