Although you’ve had credit in the past, in many ways you’re like someone just starting out. There might not be enough current data in your credit history to give creditors a good reading. It can be frustrating to try to get credit when creditors want to see that you already have credit in order to grant you credit. (!!)
You could try a secured credit card or a credit-builder loan. Both of those products are good for someone with a thin or long-dormant credit file. They’re designed to limit the creditor’s risk, so they’re easier to get with lower credit scores or when your credit file is not very robust.
You can read about both products — some other ideas and tips for building credit — in our story on How to Build Credit.
Once you get that first new line of credit, the most important things are to use it lightly (don’t go above 30% of the limit) and pay on time every billing cycle. Those are the biggest factors in your credit score.
Good luck, and let us know how it goes!