A few years ago, I had a terrible credit score. Since I had screwed up with credit lines that I had previously, I had a much harder time getting credit. Since I had REALLY blown it with two previous credit cards, my accounts had been closed and I couldn’t get new ones. When you [...]

First, I would analyze my credit situation. What I would primarily need to know is whether I currently have any open credit cards. Chances are, if I have a 550 credit score, I have ruined my credit lines, thus losing my ability to build credit.
If I had open credit lines, I would never again [...]