text: how can i my credit back? i lost my credit because i never made my payments on time and now i cannot get very important imformation from the computer that requires a credit card. it will take you 7 years to get bad credit history erased from your credit history files, you can get a secured credit card from banks offering them. for info on a secured credit card http://www.creditcards.com/bad-credit.php?a_aid=1004&a_cid=1045&a_did=1020  you can also open a checkinng account and get a visa or mastercard check card that works like a credit card and the charges are automaticaly withdrawn from your checking  account.  you can also purchase a preloaded credit cards at wallgreens and other places including us bank http://www.walgreens.com/store/promotion/greendot/default.jsp?ban=rib_greendot_search