If you are like me and have experienced bad credit before then you know how hard it is to get your credit back in shape. After filing bankruptcy years ago I had to learn how to get my credit back up to speed. The first thing I did was apply for a credit card.
Why, simply because I needed to build my credit score back up and paying something on time every month improved it alot. In less than 6 months my score went up 40 points just from paying on my credit card on time. Just make sure if you get a credit card that you are only getting one to improve your credit. If you pay on time every month but carry a high balance, then that will only lower your score. Having a balance show make other lenders believe that you are burying yourself in debt.