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How I can fix my credit records?
I did have a fully secured credit card for less than one year( closed). That was the only credit account I had on my entire live. On other word,I do not have any credit card account open. That credit card account hurt my credit history a lot although it was fully secured . I was new to the country and I wasn't understanding what the credit card history mean . As I mentioned before I closed that account in less than one year. Now I have a good job and pay rate and I want to start build my credit history again . Could you please advice me what do I need to do and from where I have to start ?

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