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SchelleT

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Good morning I would like assistance with building my credit back up

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In order to begin building your credit, you need to know what is on your report.   You are entitled to get one free copy of your credit report each year from each bureau.   I suggest you learn what is on your report.  If you have any collections, start by getting them paid off.   If an item is on your report which is over 7 years old, you can file a dispute with the bureau to have it removed.   Your next step is to secure credit so that you can start the process of managing the credit by staying within your limits and making payments on time monthly.  If you don't currently have a credit card, I suggested you give yourself credit first by applying for a secured credit card.   Keep your balance low and in order to avoid interest and finance charges, pay it in full every month.   After 6 months to a year you should see a steady increase to your overall score where you can then start looking to other firms to exend you credit.

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