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GhostStL

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Rebuilding poor credit for dummies
Turning 34 this year and.have never taken interest ot proactive effort into betterment of financial stability, always been cash efficient but cannot afford financial security.

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Using a card and regularly paying it off is probably the easiest/fastest way to build credit. It's really not any different than cash, you should still only spend what you can afford. You just have to keep in mind that the bill comes due all at once, instead of every time you make a puchase. Find some method that works where you can put money aside any time you use the card, so that way you always have enough to pay it off each month.

Alternatively, get a card and only use it for a few very specific things; like maybe you only use it at gas stations to fill up your vehicle. If you typically fill up twice a month for ~$30 each, then just set $60 aside to be able to pay it off at the end of the month. This will get your "on time payments" going (which is the biggest part of your score) and will keep your utilization down (if you are only putting like $60 a month on a card with a $500 limit, for example... then you'll never be higher than a 12% utilization rate or so, which is really good too).

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