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Check this out - It'll take 3-4 weeks to do, and your credit should be a little shinier after around 4-6 months.
Go take $400.00 to a bank, and get a secured loan for 400, take that 400 and go to a second bank and do the same, take THAT 400 and go back tot he first bank and pay off that first secured loan, get your 400 bucks back and go to the second and third and do the same, getting back your 400 bucks after you pay all of them back. Wait a week between each borrow and payoff.
Each bank will report that you took out a loan and swiftly paid it in full.
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