@Anonymous wrote:Hello this is my first time posting. I'm wanting to start rebuilding my credit. I've never had a credit card. I have 4 accounts that are bad on my report 3 of them are from mobile phone companies and 1 is for a judegment of 83$ five yrs ago that was paid in full. What is the best way to start building my credit? My score is 501. Any advice will be welcome!
You need to open some secured cards ASAP, you need 3 revolvers to drive your Fico score. I would also be looking to settle the CAs on your CR. You can try the PFD. Welcome to the board 
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/td-p/2031275
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/td-p/3846302
@Anonymous wrote:Hello this is my first time posting. I'm wanting to start rebuilding my credit. I've never had a credit card. I have 4 accounts that are bad on my report 3 of them are from mobile phone companies and 1 is for a judegment of 83$ five yrs ago that was paid in full. What is the best way to start building my credit? My score is 501. Any advice will be welcome!
You need to open some secured cards ASAP, you need 3 revolvers to drive your Fico score. I would also be looking to settle the CAs on your CR. You can try the PFD. Welcome to the board
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/td-p/2031275
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Secured-Cards-Database/td-p/3846302