35% of your Fico Score is based on your debt to credit ratio.  Mainly Credit Cards.

 Example: If you have a credit card with a $2000 limit and you owe $1600 your debt to credit ratio is very poor.

Now, if you applied for one of these very easy to get credit cards for $3000 and got approved,  your credit to debt ratio would increase significantly.

Now you have $5000 in credit and owe $1600.  Your debt to credit ratio is now 32% Now remember 35% of your score is based on debt to credit ratio.  So your Fico score would jump up a significant amount.  This can also be done by raising the limits on your existing cards.

PS: Don't worry about the inquiry on your credit report.  Inquires are such a small percentage of your credit report.

Here are the easiest cards to get with bad credit:

Get a Prepaid Visa RUSHCARD Now

online application

Free credit builder and account text alerts Free direct deposit of tax refunds, anticipation loans, and paychecks Free customer service 24/7 No monthly fees and no hidden fees   Apply Now! Intro APR   Intro Period   Annual Fee   Setup Fee   APR   Credit Required N/A N/A N/A $19.95 N/A Very Bad Credit OK

Silver Prepaid MasterCard card

online application

Perfect card for government/benefits check recipients $0 activation with rebate* 100% guaranteed approval*/no credit check Free direct deposit of your pay or government check.  Apply Today! Intro APR   Intro Period   Annual Fee   Setup Fee   APR   Credit Required N/A N/A $0 $0* N/A Very Bad Credit OK

Visa Prepaid Card

online application

Free direct deposit - no more check-cashing fees Guaranteed approval* / No credit check Chance to win $250 every month with direct deposit* Free online bill pay - pay your bills safely and quickly  Apply Today! Intro APR   Intro Period   Annual Fee   Setup Fee   APR   Credit Required N/A N/A $0 $0 N/A Very Bad Credit OK

Erase and Repair Your Bad Credit.

Build Lasting Good Credit.

Start Now and Get the Credit You Deserve