<prompt> Human: Im 32 yo single male that works for a lawn care company under the table. About a year ago I was laid off for 4 and 12 months. My credit score was 750 before getting laid off. I had 3 open credit cards that went to collections. The total debt was 8340.i had 2-year cell phone contract that I terminated because it was 112 dollars a month. That also went to collections. I stop paying on everything other than my rent, electricity, and car insurance because I didnt know when I would find work. I found work and have been employed ever since. also, I have a small savings of 1100 dollars.My question is how do I rebuild my credit?my credit score plummeted to 540 and I would like to rebuild it.  <response>: Secured credit card. And pay that is documented. Literally thats it right now. 