Answer: -Anyway, try and get a co-signer, if you can, on a small loan or credit card. Or even have someone with good credit put your name on their credit card. You don't ever have to use it or even know the number, but having your name on it will help your score too. -Getting a co-signer on a loan does not always improve your credit. Also, your applying for all of those credit cards and getting rejected is not good for your overall credit score. Plus, one company looks at your credit and sees that another company has already denied you credit is bad. With a lien on your wages, it's a triple-header, but I would advise you to carefully consider the application before applying. For now, it may be a good thing to not apply for any further credit for a few months, continue paying (well, you have no choice)on your loan, and if it's at all possible, try one of the secured loans like depositingmoney in an account for you to use and in which you pay them back. In essence, you are paying yourself back.