I am trying so hard to build our credit score. We have had past history of credit problems but slowly are building . last i checked about a year ago our score was like 648. But still we cant do anything hardly. i dont know why. we are still considered high risk. I was reading on here to go to the credit union credit cards because they are easier to get and make sure you pay them every month. My question is what cards can someone get that is considered high risk and where do i get them.. I will make sure the payments are paid i just have to know how to do this.Please i need some help here .. we cant get lowes card i tried and was turned down. i had a credit card but it charged off years ago and is now no longer on our credit report. we havent had a credit card in years.