No matter how bad your past it is possible to recreate a good credit record. It simply requires a well planned and well executed campaign. The campaign outlined below uses credit cards as the primary weapons in overcoming a poor record, as they are relatively easy to obtain. They must be used carefully. You can vary this, using the same steps, for mortgages and loans.

The steps in this two year campaign avoid the need to tell “fibs” on application forms ( a crime, by the way) and will help to overcome a bad credit rating. They can be varied according to circumstances.