<prompt> Human: My mother has historically poor credit and does not, will not, and has not had income for the past 10 year. She lives month to month on disability in a home that her and my aunt purchased together after the sale of their parents house. She has everything from missed payments to overdue accounts that were open for a couple decadesuntil finally being paid off and closed last year, however she currently doesnt have any debt and doesnt owe anything to creditors or collectors, but Im not sure of her exact credit score. My sister was trying to think of ways to improve her credit score in case she would eventually be on her own and suggested the idea of opening a credit card in her name to help restore her credit. EDIT: To be clear, I meant that my mother would open a credit card and my sister would use it and pay it off monthly. 1. Is it even possible for someone to rectify a credit history with 30 years of relatively below average marks? 2. If possible, is a credit card the best way to go about this? If so, any ones in particular should I look into for her? 3. Are there any other ways to help restore her credit, even if over the next 10 years, with or without the help of memy sister?I have already said to my sister that this would be risky because she is not a high earner herself, but shes determined to try and help anyway. Thanks in advance for all advice!  <response>: Given your mothers fixed income and bad history with debt, i dont think improving her credit score wil be beneficial. The fact that her credit is too poor to get any type of loan is a blessing here- improving her score will just allow her to dig herself into another hole 