Whether you have good or bad credit, you should always keep in mind that it can be better. Pay balances on time, pay more than the minimum, and try to keep your balances low so that your credit rating will keep increasing. If you don’t think that you’ll be able to afford to do so, you might want to reconsider getting a credit card or credit line until you can… after all, credit isn’t free money, it’s just a loan that you’ve got to pay with interest. The lower your balance is, the less interest you’ll pay. The less interest you pay, the more money you’ll have for other things… and that’s always a good thing.