rebuilding credit after charge offs
I just recently looked at my credit report, and a number of old debts have been charged off. I don't know my credit score, though, and I'm pretty sure that the charge-offs are not good for it. I'd been considering getting a new credit card for some time, mostly for emergencies - a couple of times in the past year I've found myself in situations where I just needed a little extra money than I had for something like car repairs and gas, and having a credit card would help with that. But I'm leery of getting one because my irresponsible use of them is what got me bad credit in the first place. Of course, I'm not as foolish as I was back when I was eighteen but I'm sure the temptation will still be there. Would getting a credit card be the best way to build up my credit score, or is there another way? Thanks!