Bad credit credit cards No credit credit cards and secured credit credit cards.

I'm Bo Majors
 I got my totally free credit report, flipped out, paid bills, asked for credit help, got new good credit and disputed errors on my credit report

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reward / miles
student cards

 I Bo Majors raised my credit score by re opening a past BAD credit credit card charge off collection and asking for help 12 and 24 months later. 
 Make sure your credit card reports to a bureau and you keep it open 12 months.

These are the best bad credit and secured credit credit cards that you can trust

 I recommend "Orchard Bank Gold Master Card" for bad credit or no credit.

• Great bad credit credit card to for people who need good credit
• Orchard bank reports to all 3 major credit bureaus monthly
• Reporting to bureaus will help my bad credit fast
• Bad credit credit cards that reports

 I recommend "Total Visa Personal" if I have bad credit or no credit

• Instant Personal On-Line Decision
• Monthly Reporting to All Major Credit Bureau's
• Free 24 Hour Online Account Access for people who need help.
• Outstanding Customer Service for people with bad credit.
• No credit credit cards

 New Millennium Bank Secured card for bad credit

• If I need credit with no credit now.
• No CREDIT CHECK for people with no credit
• Approved REGARDLESS OF CREDIT HISTORY
• Credit limits UP TO $10,000
• Reports to ALL 3 BUREAUS
• Great for people that need good credit.
• No credit credit cards

Secured credit cards that report to all three reporting bureaus

 Bank of America - Secured Visa® Card 
16.99%  $29 Good / Fair / No Credit 

• Credit Lines available from $300 to $10,000
• Set your own credit limit
• Build or reestablish your credit 
• Reports to majors credit reporting bureaus

 I need to keep my debt ratios as low as possible on these cards.
Must be reported to bureaus for at least 1 year.

•  I keep my debt ratios under 80%. If my credit card has a $5,000 limit, I don't carry a balance of more than $4000.

•  I keep credit purchases under 50% of the credit limit. (If I have a) $5,000 limit - and I want to buy a $4,000 worth furniture on my credit card - I split the purchase onto two cards. Creditors don't like to see a credit cards almost maxed out.

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.

 These are the best credit help offers I can find that I trust and use.
 Get all 3 totally free credit reports and scores
 I use this one. Best offer for quick comprehensive credit  checks.
 Unlimited 3 bureau credit reports & 3 scores for 14.95 per month  
 The best for fixing credit, monitoring for fraud, and ID theft over a period of time.
 Bad credit credit cards for people with no credit  
 I must have at least 3 open rated lines of credit. These cards report to bureaus.
 Hire a Lawyer to do all the work
 Knee deep in debt solutions       

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