No money,bad credit is there a way to start investing?

[Reynaldo Tello]

I'm just starting 

[Account Closed]

You should look over your credit and see what parts are hurting the most. For instance, if you have maxed out credit cards, see if you can get credit limit increases or apply for a new credit card. I know that might sound crazy but hear me out. ONLY do this if you are in a position that you will no longer use the cards. I say this because a large factor in your credit score is credit usage. So, for example. If  you have a $1000 credit limit and you have used $1000 of credit,  you credit usage would be at 100% when, ideally, you would want to be under 30%. But say you got another card that was $500. Now, you may take a hit for a hard inquiry and a new account, but your credit usage drops from 100% to 67% without you making any payments towards your debt because now its $1000 out of $1500. Now, again, this advice is ONLY if you are absolutely sure you will not continue to use the credit cards. You need to be very honest with yourself if you decide to do that. Also, if you make multiple hard inquiries within a couple of days of each other, the credit bureaus will only count it as one inquiry so if you do decide to go this route, do it at once. Don't make inquiries month after month because those stay on your credit for 2 years and once you get over 4 inquiries it really starts to hurt things. This was a big way I increase my credit by over 100 points in 8 months in addition to making large payments towards my debt but expanding my total credit limit was a nice helpful boost. Also, check out when things are due to fall off your credit report. Inquiries are 2 years. Negative remarks are 7 years. So you may be naturally do for a boost with time so check where you are. Additionally, if possible, do not close your accounts. Length of credit history is also a big factor. Debt consolidation companies will often suggest that but if you close all your accounts, you eliminate your credit history and you still have to pay off the debt. Just be disciplined and you'll do great!