Credit cards with bad credit history?
When I broke my leg I couldn’t pay some bills because I was out of work. Since I’ve gone back to work I’ve paid everything off. It wasn’t too bad, less than 3,000. The problem is because I had gone into debt I am having a lot of trouble getting a credit card and I would like to build up my credit store. Anyone know any credit cards (NOT prepaid or debit) that I could get approved for that would build my credit score up again? Only ones that you are definite about please. Thank you.
Tags: Bad Credit History, build credit, Cards, Cards Credit, credit, credit card, Credit Cards With Bad Credit, Credit Cards With Bad Credit History, credit score, History
4 Comments at "Credit cards with bad credit history?"
You should open a CD loan at a bank. That will build your credit and you get the CD money when you close it out. You could also consider getting a small personal loan. If you do decide to go the credit card route STAY AWAY from First Premier Bank, my bf fell into that trap. Just be sure to read all of the fine print well.
Apply for a secured credit card at your bank
The issue is you are going about fixing your credit score the wrong way. Opening new accounts does not help. Reducing the loan to debt ratio is most important. Paying on time is most important. Bad credit does not fix itself. If you closed them when you paid them off – If you no longer have card accounts because you did not pay and they went to collections or charge off then you can not magically open high quality new accounts. You will be stuck with the low card balance high interest rate companies.
The US Government has a free credit related site to help consumers like yourself. You can even go there and get a truly free 3 credit bureau credit report. Annualcreditreport.com then link to the US Government link to help you with the issues above.
Be very cautious of scams that will go to the email used on this question. Go directly to Credit Card companies. If your score is above 650 you should do okay, verify what is showing up on all three reports. Credit report issues can be repaired legally but it does take time.
Credit scores always cost you something. The main score is the FICO.com it is the Credit Score to pay for. I will not pay for the ones from the three credit bureaus.
To build your credit store you can go to your bank or finance from where you take credit card and you can grow up your card store or you can request that bank or finance for money.
http://www.cheap-credit-cards.org/credit-card-application/creditcardsfopeoplewithbadcredit/