Do you have Bad Credit and would like to be given a second change  to rebuild your credit, here are some great tips that will help you get back on track.

1. Get a Free Credit Report to find out what your Credit Score is, this will give you an idea on where you stand and what needs to be done to get you back on track.

2. Write down a list of all your debts that appear on your credit report, list them from highest to lowest and start paying off all the smaller ones first. On the bigger ones you could call your creditors and negociate the balance and lower your balance.

3. You could get a yourself a lower end credit card such as Orchard Bank Classic MasterCard this kind of credit cards are made for people with lower credit scores and helps them get back on track on their credit history, use this kind of credit card for a few months to get a higher score, also make sure you use it for basic purchases through out the month but make sure you pay it off at the end of the month so you pay no interest. After about six months of doing this you could apply for a better credit card and drop this one.