- Bad Credit Total VISA
Credit cards for bad credit are the best way to improve your credit score fast. My name is Bo Majors and I have been working with bad credit for a long time. My best advice for people wanting to increase thier FICO credit score in a short time, is to get one of these credit cards and pay more than you charge month. What I did was buy my gas. I have to buy gas no matter what so I bought gas and paid more than I charged each month for 12 consecutive months until I had a surplus of over 400 dollars on the credit card.
The surplus did help me in that it decreased my credit utilization and increased my high credit limit.
I did this with a new cedit card and an old bad credit card that I had gotten charged off on my credit report due to none payment. Not only did I re open past bad credit and increase my credit limit but I now had two lines of open god credit with the new bad credit credit card.
Once I paid for 12 months on the old bad credit charged of credit card, I called them and asked them to only report the past 24 months of credit. Since my charge off was more than 24 months old and I had paid them on time for 12 months My credit score jumped big time. Most credit card only report the past 12 months anyway. So go ahead and call a credit card company with bad credit that is older than 24 months and ask them to only report the past 24. They will do it almost everytime.
Once I paid for 12 months on the old bad credit charged of credit card, I called them and asked them to only report the past 24 months of credit. Since my charge off was more than 24 months old and I had paid them on time for 12 months My credit score jumped big time. Most credit card only report the past 12 months anyway. So go ahead and call a credit card company with bad credit that is older than 24 months and ask them to only report the past 24. They will do it almost everytime.
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