#1 pay your bills 100% every month. YOU ONLY NEED 1 CC. With a visa or MC you can go anywhere in the world and buy anything. They give you a limit because their budget model says it's what you can afford. make every payment. pay off what you borrowed when you can or ALWAYS pay over the min. Paying off $10k at min payment will take 20 yrs to pay off. get the 0% for 2 yr cards. then transfer your balance to another 0% card in 2 yrs. pay as much as possible IN CASH. After my accident Ins Co's destroyed my credit w/ med bills. they had to pay them but took 5 yrs to do it. my credit was still destroyed. I started w/ Applied Bank card w/ $300 prepaid balance. they eventually moved me up to a full credit staus raised my limits until I could get a car/ good CC. then a house. I now have A+ credit 11 yrs later.
Take out loans & repay them in time. Get rid of all outstanding debts, make your $ work for you, carry the absolute minimum # of CC you can live with & keep it or the paid off. It'll take a while, but it'll get squared away