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Once you've done all you can to repair your credit, your next step should be to work on getting new credit. When you get new credit and make your payments on time this will help your credit score. You may not be able to get a major credit card so try applying for a retail store card. Retail merchants have the reputation for approving those applicants that have a bad or limited credit history. A second option would be to get a secured credit card. This is where you make a deposit to secure the card. Just make sure that the bank that issues the card reports how you use it to the credit reporting bureaus – to help you build a new and better credit history.