Step one - get copies of your credit reports and make sure they're accurate. You can get a report from each of the three bureaus at www.annualcreditreport.com
. If there are inaccuracies, dispute them.
Step two - obtain secured credit card from a reputable issuer. Cap One is reasonable. If your bank issues them, even better.
Step three - use the card responsibly. Never carry a balance and keep your utilization low. Watch your credit score rise.
Step four - when your score hits the mid-600s, apply for a prime card. Chase Freedom seems to be easy to get these days and offers great rewards.
Step five - use your cards responsibly. Never carry a balance and keep your utilization low. Watch your credit score rise.
That's the upstanding way to do it. There are other methods, but if you want to learn about them, you need to go to www.creditboards.com
and join the dark side of the force.
Also - don't be a general practitioner. Specialize for the big bucks.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]