Bad credit no longer needs to follow you for your whole life. Show your budget who's boss!
Make that minimum monthly payment on all your credit cards. That will always help your credit score.
You can enjoy the credit card offers. The best as you can get is 0% APR credit card for a whopping twenty three. Its the City Simplicity card which doesn't have an annual fee either. The Bank of America credit cards have zero percent APR for eighteen months. This is a good way to consolidate debt. Your last resort is a consolidation web site with a low interest rate that is usualy fixed for 3-5 year terms.
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