If you have had problems in the past, foreclosures, bankruptcies, charge-offs, late payments, whatever?.
You need to begin the road to rebuilding your credit.
One of the easiest ways is to get a credit builder account, typically a secured account where you put a certain amount of money into an account and use that for collateral to secure the loan, be it a credit card or some other type of loan.
The one caveat that you must make sure of though is that the credit builder account reports your good and timely payments to the credit bureaus, each and every single month.
