Talk
to your banker and say you want to re-establish your credit rating;
Open
a savings account;
Be
a regular and persistent saver. Use the common techniques I am sure
you have heard of:
1)
Pay yourself first;
2)
Take your next raise and save it;
3)
Save 5 % of your pay;
4)
Have your savings come right off your pay and into a separate savings account;
Take
out a small loan using the savings account as collateral, and then pay
it back;
Apply
for a credit card with a low limit and secure the limit by using your
savings account as collateral;
Pay
your credit card balances on time.