If you have credit cards keep them around 20% utilization rate when the billing cycle ends. People who say pay off fully are incorrect because then it looks like your not paying towards anything and credits want to see you can properly pay towards something on monthly basis . If you dont I'd open a finger hut account or capital one secured card. 2 quick ways to build credit for lower credit users.  ... View more

If you need help start with a place like finger hut. Sounds crazy but it truly does work, I'd suggest looking into that. Also capital one SECURED credit card would be helpful too!  ... View more

Bankruptcy will take roughly 10 years to fall off your credit report. If you can afford to start paying off some of your collections.  It doesn't have to be full amount . You can make payment arrangements. sometimes if you pay in full they are willing to take less! Patience is key itll probably take 3-5 years to get around 800 while being diligent with money and how you impact your credit  ... View more