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I HAVE HAD COLOLECTIONS ON MY CREDIT REPORT, THEY ARE PAID AND I AM WORKING TO GET THEM TO SHOW THAT WAY ON MY CREDIT REPORT. MY CURRENT SCORE IS O. WHAT SHOULD I DO TO IMPROVE MY SCORE?? HOW DO I GO ABOUT GETTING A CREDIT CARD, IF MY SCORE IS O. IF I DO A PREPAID HOW CAN I KNOW WHICH ONE TO USE?
I started a slow credit rebuild with some store and catalog cards that were not so hard to get like fingerhut, fashion bug and lowes. I keep a small balance and pay a little more than the minimum due so that it builds a credit history.
Hope this helps, it is working for me.