You can improve your credit if you want to. However, it will take time. When you will get the good result that you expect depends on how bad your credit rating now is. The worse the rating is, the longer the process will be.
The very first step to begin the process is to get a free copy of your credit report from the three credit reporting agencies. Why? Because sometimes mistakes occur no matter how careful you are in maintaining your financial life. Request the free copy and then analyze it to check is something looks wrong. If there are obligations in the report, be sure to pay them all if it is possible for you to do so.
Next step is to make sure that pay all bills in time. Paying bills late will only result in bad marks within your credit report. It doesn’t matter if you don’t have a credit card yet, you should pay all the bills always on time and be never late whatsoever.
Apply for a credit card after all the bills are paid off. Make sure that you have everything so that you can use the card the way it should be. If you pay the balance in full every month, you will see improvement within your credit report. Be careful, however, since having a credit card for the first time could easily lead you to a mounting debt amount.