Here are some more easy steps to improve your credit score:
1. Learn to avoid credit-repair scams. You will find many helpful agencies that will help you raise your credit score, but you will have to be careful with agencies that want to make a quick buck and that will charge you a lot for their services. Very often trying to repair your credit yourself is the best solution. Government agencies offer many tips on how you can repair your credit score yourself.
2. Do not hesitate to call your creditors. They are very likely to offer you participation in a program that can reduce the amount of money you will have to pay. Talking to your creditors might be the last thing you want to do, but you might be surprised to discover how helpful they can be in your situation. Try to call especially those creditors for whom you were a good customer in the past.
3. Pay off your debts if possible. Ask your family members to help you pay your loans until your credit score improves. You might hesitate to do it, but this is what family members are for.
4. Use your oldest credit cards from time to time. If you had good credit score in the past, you might want to use your old credit cards from time to time. That way you will remind credit bureaus of your good score in the past. While using your older credit cards, do not forget to pay them off straight after making a purchase.