There are two main parts that set the scores for your report. Bad trade lines and positive trade lines. So if you are someone that has negative trade lines, it doesn’t mean there is no chance for raising your score. While you are working on getting the trade lines accurate and getting the negative items handled, one should immediately start working on adding positive trade lines to their report. Open secured cards is a huge help as well as taking out personal loans from your local bank. That’s review the secured credit card options