If you have low or poor credit rating, there are things you can do to boost your credit rating. Start by taking a good look at your finances. Check your credit card statements to see if you are paying on time and check your interest rates. See if you can find a viable balance transfer option with a zero or lower rate that allows you to transfer all of your revolving debt onto one card. This will make for an easy payment method and get you that much closer to paying off your debt. Next, get a free copy of your credit report. You may have opened up more than one credit card for the same store and if such is the case, you can close one. Increase your income for a little while even if it means working nights or weekends to pay off those pesky credit cards. Obtain one card where you have to pay in full at the end of the month.