In the next year I would like to purchase a home. My credit is no horribible, however not good either. I have a car never late on payments and 1 department store card never late. I had 3other cards closed by creditors 1 paid off about 2months from paying the last two off. I know I can get prime car. I think the card where you pay a deposit and then when you make on-time payments it goes to secured or unsecured. As you can tell I dont know very much about this. Can someone suggest a good card to help rebuild credit?