So a few years ago I got myself in a bad car loan and the car was eventually repossessed.   Since my good friend, Raul, owns a car dealership (Napleton Hyundai) I asked him what the best way to raise my credit score was.

He said get a few secured credit cards and pay them off each month.   A secured credit card is one in which you put down a deposit (I did $300).

So I went to PNC bank and got my secured card.  I paid off the card each month (on time).  After 3 months I noticed my score went up about 40 points.   After six months it went up over 80 pts.