how do u get your credit score up?

get one card and buy only for limited amount and try to pay the dues on time.then probably that may ensure about your debit repaying ability and hence will build good score.

This is definitely something I've been working on ALOT the past few years myself. My financial history has definitely kicked my butt. What helped me was getting a free credit report (available once a year for free), and trying to pay off the old debts I still owe, or even writing the places I didnt recognize. There was one on there that wasnt even MINE! The place removed it after about two months of hassling them, and my credit score went up 30 points! I cant get approved for a credit card of ANY kind, so I cant get it back up that way. But clearing these small things up really help alot. Now that I'm married, and my husband has PERFECT credit, its frustrating sometimes to know that my financial mistakes in the past could be what keeps up from getting a house, or a car, etc. I know where I live, there are places that dont do credit checks for purchasing vehicles, though you might have a higher montly payment, or a higher interest rate, but atleast you'll have a car to drive to work when you have to work that overtime to pay those higher fees right?! (just kidding...sorta!) Also keep in mind that when you apply for credit cards, or anything that you are planning on financing and they do a credit check, it can also lower your credit score, even though its just a few points each time, it can add up. Good luck, and hopefully it all works out for ya!!