rkwarner_warner asked:
I’m looking to rebuild my credit, and a credit card seems to be the most popular way to get it done. I have had bad credit, and am now told that it is up to zero. What kind of card can I get, or can I even get one?
Credit Mechanics
I’m looking to rebuild my credit, and a credit card seems to be the most popular way to get it done. I have had bad credit, and am now told that it is up to zero. What kind of card can I get, or can I even get one?
Credit Mechanics
April 3rd, 2009 at 9:20 pm
CreditMechanics.com
yeuhh try getn a prepaid master or american express card!! … thatll help ya!
April 3rd, 2009 at 11:30 pm
Bad Credit
You can get a “secured” credit card.
This means that you will need to make a deposit $500 – $2000 to a bank and that bank will give you a credit card at the amount of your deposit.
Afte a while, the bank will either raise your credit without a deposit or return your deposit altogether.
This takes about a year or two.
April 4th, 2009 at 1:57 am
Credit Mechanics
Might want to try checking your SPAM inbox. We seem to get tons of these emails of companies that will help rebuild bad or no credit w/a credit card.
April 7th, 2009 at 2:53 am
CreditMechanics.com
Yea, getting a credit card, using it and repaying the debt can increase your rating. Just be certain to repay in a timely manner and don’t just pay the minimum amounts. They are quite a few companies that approve credit cards very easily regardless of your rating so just google it.
April 7th, 2009 at 2:05 pm
Bad Credit
Not sure what you mean by you have been told it is up to zero? Meaning now you do not have any more debt? – Please clarify. But a couple of things that you can do is either get a secured credit card that you need to put monday down on and basically you are borrowing against your own money for a small fee (sounds silly I know but it does help people that can not get credit anywhere to rebuild). Try as well. I went through bankruptcy in 2002 and have been rebuilding ever since and that is one company that really did help me when I needed a credit card. They have a very low annual fee and the APR’s aren’t that bad. They start you off with a very low limit (which is a good thing!) and then once you have kept in good standing they will raise your limit.
April 7th, 2009 at 10:55 pm
Bad Credit
try an aspire visa card. there is an initial fee of $20 to activate your card which can be mailed, western union, or via phone by checking or savings, other fees are added to first statement and it is an unsecured
card, banking account not needed, card pretty much automatic
April 8th, 2009 at 5:02 am
Credit Mechanics
First off get your credit reports at. It is free once a year and won’t hurt your FICO credit scores. Review your 3 reports and see what is really in your reports, they will tell you what is being reported positively and what is being reported negatively.
Dispute any items that you believe to be inaccurate or unverifiable. Each investigation will take about 30 days.
There is no such thing as zero credit. FICO credit scores range from 300-850, the higher the better.
Anything less than a FICO score of 700 will probably not get you an unsecured VISA/Mastercard. Department stores and Gas Cards have more lenient guidelines. Be careful when you apply because every time you do your credit score will go down from the inquiry.
Good Luck