To summarize this section there are two different ways to establish or re establish your credit installment debt. Do yourself a favor and check out your local credit union. To establish a trade lines or credit unions is fairly simple, straightforward, and generally attainable revolving debt. Utilizing revolving debt to establish trade lines into increase your credit score is the second vital way to reestablish a credit. almost anyone can get a secured or collateralized credit card. Just be careful how it is used and know about credit utilization.