First of all, STOP having late payments!!! Do not have any more late payments whatsoever. Each late probably drops your score by 20 to 50 points - no joke!!
Next, pay down your credit card balances to 30% or below the available credit limit.
If you are over your limits, get those ones down the quickest.
Pay off all non-medical collections as soon as possible.
If you do not have any credit or trade lines established (i.e. - loans or credit cards) then think about getting a small secured credit card that reports to all 3 bureaus.
http://shorten.ws/f31e9aIf you're in serious debt, think about a free Debt Reduction consultation:
http://www.curadebt.com/freeconsultation.asp?a_=4b75ef9e10138Be patient. Over a year or so, your credit will come up. Also, having an installment loan and revolving credit will help.
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