Improving your credit is easy. If you have little or no credit there are two ways to get a credit rating started. You can get a secured credit card – where you put money on a Visa or Master card at any financial institution and use that for credit, paying it on time to establish good credit. Or you can get familiar with your local bank by purchasing a CD for a small amount and keeping it for the time limit (at the same time establish a savings account) and then purchase a second CD.Your patronage should establish a relationship eventually worthy of credit. If you have poor credit you can either get a secured or high risk Visa or Master card at any financial institution and pay that on time to establish credit.