You need to prove to your lender that you are no longer a problem and that you are eager to build a better credit score. How? Well, the simplest and most effective way is to make sure that your credit history is not soiled. That means paying bills on time and maintaining a good credit card history. Credit cards can go a long way for you to prove that you are not a high risk borrower. Instead of using cash, try to use your credit card when you pay for gas, bills and groceries. Make sure that you pay each month, avoiding the broader societal interests.