<human>: Hi guys. I'm 27 years old. I had good credit (above the 700 range) until my senior year of college. I was paying off everything on time with a phone, car, apt rent and utilities to my name. However, my dad had to declare bankruptcy when his business went under. In order to provide my family with some income, we started another business under my name around 2004. We had to move to a new house (under my name as well). Well, the business wasn't doing too well, the economy got worse, and to sum things up, we were near bankruptcy again. We ended up missing mortgage payments for about a year, and ultimately had to put up the house for a short sale. We are doing a bit better now -we can pay off all our immediate bills and have enough to eat. The only problem is, I am putting about $300/month into my savings account. I was told that it wouldn't be the best for me to have stock/CD/or other investments that require a lot of money to open, considering my financial past. Thankfully I don't have much in student loans (I pay $50 monthly) and have settled on my past credit card ($150/month). I want to start making more payments on my credit card and have started looking into getting a credit card that'll cover transfer fees for a bit so I can make a larger payment without interest.  so....

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<bot>: what's the best way to repair credit on a budget? Are there credit cards out there that offer free transfers for people with not so great credit? Thanks guys.