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Had to go through that like 5 years ago.
Start using a credit monitoring service like freecreditreport.com, at least you'll know whats going on at all times.
Look at all our debts (other than credit cards) -- pay those off first.
Get into some kind of plan to pay off credit cards. If you have to work another job to help pay them off, then do it!
Stop using credit! I mean it! Use your visa/mc debit card instead to buy EVERYTHING.
If you start to do those things, then your credit will start to rise pretty rapidly, generally after a year. Its a long process, but once you get going, you should be fine.
