How can I get a credit card to help rebuild bad or no credit?

Question

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?

Answer 1

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.

Answer 2

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 www.capitalone.com 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.

Answer 3

First off get your credit reports at www.annualcreditreport.com. 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

Answer 4

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.

Answer 5

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.

Answer 6

whats up, i'm sorry which you're interior the area which you're in yet whats up, it is why they placed rubber on the tip of pencils, precise? From my previous journey, it is extremely useful to examine the place you do your banking to work out in the event that they provide secured taking part in cards. you could desire to place a deposit prematurely to get the same quantity in a line of credit, yet it is the finest thank you to get a card to rebuild credit. you could think of of a secured card as construction credit with a value reductions account, by way of fact in essence, it is precisely what you would be doing. financial business enterprise of u.s., Wells Fargo, and Orchard financial business enterprise(HSBC) all furnish secured taking part in cards. Orchard financial business enterprise additionally furnish taking part in cards for rebuilding credit. I published hyperlinks to all 3 companies below. stay faraway from First maximum efficient and New Millenium, they charge too many costs and Capital One does not checklist your account correct with the bureaus. i'm hoping this permits out, good success!

Answer 7

You are able to instanly acquire a payday loan as much as $1000 by using this site: http://loans.servermatrix.org I obtained the payday loan even though I have a very poor credit history.

Answer 8

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

Answer 9

yeuhh try getn a prepaid master or american express card!! ... thatll help ya!