If you have bad credit or you have never had credit, then you need to get 3 - 6 lines of current, rated credit to improve your credit scores at all three credit bureaus. It is not enough to pay off collections, charge offs or utility type bills like satellite or dish contracts, cell phone contracts, electricity bills or medical bills. You HAVE to have credit cards, car loans, home loans or personal loans that are "rated" (12 months payment activity) and "current" (paid as agreed and open right now with no late's in the past 24 months).
When you pay off old bad debt, all it shows is that you made good on a bad account. When you have current credit cards and loans it shows that you are paying good on good accounts and your score is going up.
If you do not have 3 - 6 lines of current, rated credit then, get one or two of these cards. If you have to make a security deposit to get one, because of your credit, then by all mean do it now.
These are the best credit cards in America to rebuild bad credit
The most flexible credit card in America. Rebuilds bad credit.
Low rates for folks with great credit.- Orchard Bank Visa Cards
- Reports to 3 major credit bureaus monthly to rebuild your credit score!
- Acceptance at millions of locations including website purchases and reservations
- Your account information is updated and at your fingertips 24/7! Manage it your way
- Email and text messages to remind you of upcoming payments with online enrollment
Visa Cards for bad credit or no credit, Master card credit cards for bad credit or no credit, Applied Bank Credit Cards for Bad Credit or No Credit to help your debt ratio. OPEN SKY Secured Visa® Credit Card,
Public Savings Bank Secured First Visa ® Card,
Platinum Zero® Secured Visa® Credit Card from Applied Bank®,
Applied Bank® GOLD MATCH PLUS™ Visa® Credit Card, with a 200 limit, 250 credit limit, 300 credit limit, 400 limit, 500 credit limit, 600 limit, 700 credit limit, 750 credit limit, 800 limit, 900 limit
What is a Credit report debt to credit ratio? What is a good balance to limit ratio on credit cards? 30% or 30 percent or thirty percent. No more than 79%. If your balance to limit ratio is higher than 79% your score will drop.
How to Get Good Credit The Entire Story
- Get Your Free Credit Scores So you say you want to improve your credit? Well it starts right here.
As seen on AOL MSN and YAHOO
- We must have 3 - 6 open lines of rated credit (12 month's reported to bureaus within the last 1 - 2 yrs) ! It's not enough to pay off collections and charges offs.
Get good current lines of credit here
Credit Cards for a 0- 599 Credit Score
Credit Cards for a 600 - 649 Credit Score
Credit Cards for a 650 - 699 Credit Score
Credit Cards for a 700 - 749 Credit Score
Car Auto loans Bad Credit? No Credit? No Problem
- Dispute Errors Validate Debts Negotiate with Creditors Pay Balance Limit Ratios down to less than 79% best if 30%. Concentrate on debts that are 24
months from today back, as this time frame makes up 70% of credit scores.
- Get a good job or two jobs, budget and pay bills on time. In 12 to 24
Months your score will JUMP BIG TIME
Credit Cards for Bad Credit - No Credit |
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