Rebuild Credit

Paying off your debt in full every month can increase your credit score dramatically. If this can't be done, and don't worry, for most people it can't, you still have other options. An influence on your credit score is the amount of credit that is being utilized on each account in relation to it's credit limit. 

A card with high utilization can negatively impact your credit score. There are many ways to correct this situation. One way of course is to pay more than the minimum payment to drop your balance faster. Another method would be to transfer your balance on that account to a different account to even out your utilization on the accounts. Cards with high utilization in relation to their credit limit or cards that are maxed out can seriously impact your credit score in a negative way.