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After you have mended your credit report the next thing that you need to do is to create new credit so that you can raise your credit score. This has to be done with utmost care and you have to keep a strict check on your expenses so you do not end up hurting your credit again. After you’ve obtained new credit, it is a good idea to start using it soon after but only in moderation. Once you have applied for a new credit card start using it. But remember not to overuse or underuse it. This amount should at least 30 percent below the specified credit limit. This will not only create a good impression of you to the folks at the credit bureaus and can also help in raising your credit score. It is best if you have a solid credit history as that just goes to show how you’ve handled credit throughout the years. But in order to create a credit history you have to actually use your credit cards. Not using them can have less of an impact while you’re trying to maintain your credit score. This could be harmful especially if you have had a good payment history on those credit cards. So remember to use all the cards that you have, but in moderation.

So be alert and keep track of all that you spend to help fix bad credit.