The economy may have taken some steps toward recovery in 2011, but for people who suffered a credit setback over the last 12 months, it probably doesn't seem like it. Though it can be tough to build back your credit score, there are a number of ways to go about doing so, and according to Fox News, all it takes is a consistent effort.

One of the best things you can do to rebuild your record is to stay on top of your credit cards. Along with paying back loans and other expenses, keeping the balance on your credit card below 30 percent of your limit (and making payments on time) is one of the easiest ways to climb back to a better score.

In a similar vein, experts stress the benefits of using cash whenever possible. Though it might be tempting to charge purchases here and there, advisers say that using cash more often can be an effective way to give you more breathing room financially.

The news source reports that you should also be sure that your credit report is up to date and free of any errors. If you find any potential mistakes, you can lobby to have them changed, which could help you significantly in the long run.

If you have a bad credit score, it may seem like you may not be able to get an auto loan. However, at New Jersey State Auto Auction, such is not the case. Thanks to a partnership with Credit Acceptance Corporation, New Jersey Auto offers guaranteed approval in just a matter of minutes. That way, you can drive off the lot in a new car and be on your way to restoring your credit.