Work on your budget
Before applying for a loan that may eventually increase your credit score, you must ensure that your new financial home is in order. That means auditing your financial situation and developing a monthly budget.
Take an inventory of your new income and expenses as a single person, taking into account child support and child support payments (such as income or expenses, depending on which spouse receives or covers them). Include all sources of income, as well as all costs, including bills, groceries, repairs, insurance and other regular expenses.
Knowing this will help guide your choice when applying for credit and how much you can use that credit each month without falling into the trap of excessive spending.
Also, when you see how much money you have left each month by staying on a budget, you can start adding other financial strategies beyond credit rebuilding, such as savings and retirement.