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Can I still get a credit card secured or unsecured if i have bad credit? How can I improve my credit?

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They were all 70% to 90% used, a high balance, how long should I wait before checking my credit again to see how this has impacted my credit positively, I know it will- because I have just 2 potentially negatives- a hospital bill for 5.00 from 2003 and a bill, same thing for 5.00, which I actually have no clue what they are since I have always had insurance.

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APR : 9.9% fixed
annual fee : 0
credit limit : 0-20,000

or what other information do i require?

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I am a product distributor Net Work Marketing and I want to finance my business by purchasing product and paying for fixed expenses until the business realy gets going.

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Right now I have 10 Credit accounts open. Ranges from 4.00 to 00.00 with a credit score of 728.

I have {content} balance all of my cards at this time.

I just applied to get a motorcycle and they denied me saying that I have too much revolved credit open.

I rent a apt due to the high housing prices. I have yet been able to afford a house due to those circumstances.

I have a couple questions that I hope can be answered.

1. How many Cards should I have open at one time?

2. I have heard having allot of closed accounts on your credit report looks bad. T or F (Explanation Please)

3. I have heard that you should always keep a small balance on all your cards. T or F (Explanation Please)

4. Should I try and get an outside loan from a banker or lender to get a lower APR than what they are offering at the dealership?

5. Any other useful tips to help keep my credit score on the rise without accruing allot of debt?

Thanks Allot.

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