No. of Recommendations: 4
Wildcat --

For now, forget about *new* or *different* cards. You won't qualify, and repeated attempts to chase after credit will just make you look worse. You need to have a good long period (say, six months at least?) to have NO ACTIVITY on your credit. No inquiries, no new accounts, no activity whatsoever.

Just focus on paying on time, every time. The rest of the time, life your life. Work on your hobbies, work on getting a little extra income, and the like. As the months go by, try calling and getting the rates lowered, as others suggest.

Have you read the book "The Richest Man in Babylon" yet? The parables about living an industrious life and steadily paying off your obligations over time are especially applicable to your situation today.

Best of luck, we're all with you.

~dswing

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