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How to get Quick Credit Recovery Apply for a secured credit card. To help people quickly recover their credit, lenders extend secured credit card offers. With this type of credit card, you need to make a deposit into a savings account to use as collateral in case you don't pay off your debt. Take out a secured loan in a small amount from a local bank. Secured loans work in a similar way as secured credit cards. However, with a secured loan, you use an asset, like a car or house, as collateral in case of defaulted payment. Work with a credit repair expert. You can hire a third party to work on your behalf to recover your credit. Contact Lexington Law for a free consultation to see if they can help recover your credit quickly (see Resources). Recheck your credit score. Make regular payments on your secured loan and credit card for several months. Check your credit rating at that point through a credit reporting agency like Equifax to see if you have recovered your credit.