Bad Credit Credit Cards: Secured credit cards

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I'm Bo Majors
139 Jennings Cr
Tullahoma TN 37388

 I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thanks Bo

Secured Credit Credit Cards

  These are the best bad credit and secured credit credit cards that will help your credit. 12 months minimum.

 I "Bo Majors" had a charge off for 345 dollars in 1990 with a Fair Credit Credit Card. 
 In 1992 I called them and told them I needed good credit and that I would pay the 345.00 and add and extra 300.00 down payment to start new good credit.
 They agreed.
 I charged gas and paid extra each month for 12 months.
 I called Orchard after 12 months and asked the Fair Credit Credit Card to remove anything older than 24 months which was a charge off, 5, 30 days late, 2, 60 days late and 1, 90 days late and they did.
 I checked my credit report and everything with Orchard now said 400.00+ high credit limit with 0.00 dollars owed and a perfect "no lates" payment record. 
 My score jumped huge in less than 13 months.
 

 The best fix bad credit move I ever made. Negotiate and pay.

RULE NUMBER ONE FOR GOOD CREDIT
 I must have 3 current open lines of reported credit to have good credit and improve my credit score.
 This credit must be at least 1 year old and not more than 2 years since closed.
 Phone cell cable electric gas rent many local finance companies report only negative

•  If I have a credit card or loan that reports to a credit bureau, I have a credit history. I should get a copy of my 3 in 1 credit report and review it for mistakes, correct these mistakes problems and slowly close unused accounts.

•  Having a super high credit limit and no balances make my score go up

•  Close small retail credit finance company type credit cards like Sears, J.C. Penny, Home Depot or GAP.  

•  Having too many credit cards can make my credit rating drop.

•  I know the credit card rules on the back of my credit card agreement are slanted in the credit cards favor and the rules state credit cards can raise my interest rate just about anytime they like. If my score drops or a payment is late then I expect a higher rate.

•  0% percent credit cards work if I have close to perfect credit scores but the interest rate goes up more than 60% of the time to a higher than normal rate if I make one small mistake on my payments.

•  I keep or reopen old credit cards as potential creditors like stability.

•  Credit card companies can change interest rates at any time. The most important thing to remember is that you are responsible to keep up with your bills and stay on top of your credit and understand the bad credit card ground rules for people with bad credit.

 Credit cards are one of the best ways raise and rebuild good credit. I use personal credit cards or loans, at least 3, that have been open for at least 1 year and report to one of the credit report bureaus.

•  I need to make payments on time and call if it looks and I might be late.

•  Always call about late fees. 

•  Never think someone other than myself is responsible for making payments.

•  Keep my the balances lower than 80% and better yet 10 percent or less for very high credit scores.

• If I run my balances up my score will dramatically drop.

 Bad Credit Credit Cards: Secured credit cards for people with problem credit