do you have any credit cards? if you do, just spend a small amt. and pay it off each month. having minimal debt also looks great on your credit report. that's what i've been doing and i have an exceptional payment history on my credit report. and my fico score keeps jumping up.
get a credit card, even a first premier bank card where the limit is around $350. and ONLY spend a small amt. and just pay off the bal. each month. do you finance a car? paying a car loan on time is also a great way to raise your score.
Those banks are loan sharks. I strongly suggest if one wants to build credit or re-establish credit, start with a secured loan at a credit union or a secured credit card. It the limit is low, that can hurt your score as well.
Keeping it around 30% is actually not that good. Keeping your balances below 10% is really what drives the score up.
How I know? Two years ago I literally did not have a credit car at all, had to pay $200 to get a $200 limit credit card (I did get the money back in a year). Now, I have ~780 score, with more than $25,000 credit limit, including a car loan with monthly payment of $230 a month, at 2.59 APR.
What I really focus on!
1) All payments on time, even if they have to be minimum payment.
2)Do not get a lot of hard inquiries because they do stay around for a good period of time.
3)Only open a new account/credit card if you really need it. Opening many of them will bring your age of accounts down.(Again, a lot of hard inquiries over small period of time, no good!)
4)Pay more on your car loan/mortgage even if it's only $10/$15.
Try a secured credit card with your local credit union or bank. Credit Unions have the lowest rates. You also need a mixture of credit (ie: installment credit and revolving credit). May I suggest getting a secured loan with your credit union first and after 6 months, try the credit card. Get the loan for at least one to two years payback. If you can, do a $1,000 limit on a credit card. Though $!000 is a low limit, I wouldn't begin with under $1000. You have to stay below 30% of your limit to maintain your credit rating. The lower limits can hurt your credit. Also, when you pay off a loan, it affects your score. It can drop 40 points, on Equifax, which I think is utterly ridiculous.