As you may know, one of the most helpful ways to improve your credit, before you have credit, is to take out secured credit cards. As soon as you start making on-time payments, your credit will start to improve. However, it is possible to get denied for a secured credit card. It doesn’t happen [...]

I owe my jump from a sub-500 credit score to a 771 credit score primarily to secured credit cards. A few years ago I couldn’t get credit to save my life. I had screwed up with the first cards I took out – I was an idiot and I ruined my credit. About two [...]

Today we had a question come in from a reader that asked, “does a secured credit card immediately boost your credit rating?”
The question is actually a little more complicated than it seems. Yes – secured credit cards will help your credit score, if the card company reports to the credit bureaus. However, No – [...]

When looking for a credit card, you will notice that many things affect what type of card you can get. At first, you will hope to get a card with a low interest rate and lots of rewards. The problem is, that isn’t always possible. If you have bad credit or no credit, it [...]

There isn’t any reason to feel embarrassed by bad credit. When the economy hit rock bottom many people lost their income and got behind in their bills. Millions of people suffer from credit issues, you’re not alone. There are easy ways to rebuild credit even after financial disaster. Rebuilding credit is simply a matter of [...]