I've been trying to raise my credit score lately, after some poor choices made in my early 20's and a bout of unemployment. I do not currently have a credit card, but I was told I should get one to try to raise my credit score. Well, I've applied for a few, but I have been declined due to my poor credit score. However, I have been told that if you keep applying for them, that can lower your score,too. Anyone have any advice?