How can I rebuild my credit?

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My credit is really bad and has been for about 4 years now. I cant get excepted for any kind of credit cards and because of some old hot checks I cant get a bank account. I have tried to get a bank loan and was denied. What can I do to start establishing credit? Plz Help?

How can I rebuild my credit?

I have some quick and easy tips to help you out. But first, you should know what makes up your score:

1. Payment history-35%

2. Total debt vs. available credit- 30%

3. Length of time establishing credit-15%

4. Inquiries and New accounts- 10%

5. Types of Credit established- 10%

Now that you have that information handy, now on to how to fix it.

Although those bad checks are hurting your chances to open a bank account, it's not the end of the world. Here's a couple of options:

1. Go here ===> http://www.secondchancecheckingaccount.n...

These are a list of banks that don't use Chexsystems. Simply click on the link to the corresponding state you live in to see if they're in your area.

On this website there's a referral link to AccountNow.

http://www.accountnowvisa.com/default.as...

This is another option which I personally prefer myself. This is the best alternative to a checking account I've seen. It has free direct deposit(like a checking account), a Visa庐 debt card(like a checking account), and even online billpay(like a checking account). What makes their billpay better than most banks is that each bill you pay is reported through PRBC a new credit bureau to help you build credit!

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How can I rebuild my credit?

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