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My credit was ruined by FutureShop. Yes I disputed it but they were horrible about it and my credit stayed ruined.
The only way I could build it was..... to use it.
Got a "credit building" credit card, low'ish limits, high interest. And used it each month and paid it each month.
It was hard to go much beyond that at first since no place would give me credit but eventually there'd be more "credit building" options here and there, use them and build them and now my credit is great despite that FutureShop black mark still being there (my 7 years is almost up on that).
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