Hello everyone. I am new to this site. Please bear with me. I have alot of questions. I am frustrated. I need help knowing what to do. I have googled in several times online about improving credit. I see the same information. But, what are you suppose to do when the items are not erraneous on my credit and I have several collections and even a repossession that is 3 years old. I have just gotten 2 credit cards:Tribute and Household cards to establish some type of good credit. Lets face it I was even lucky to get these bad credit cards. I just bought a car in January, because I had no way to work. I do not blame anyone for what I did. I was irresponsible but I do not want to be in this situation for along time. I want a apartment. I want other types of credit from reputable lenders. What do I do? How long does it take for my credit to improve even a little. Can anyone tell me their personal credit improvement stories? Let give each other some hope here?