I'm Bo Majors
 I got my totally free credit report, flipped out, paid bills, asked for credit help.

Orchard Bank Classic MasterCards The most popular bad credit credit card on the internet period
Total Rewards 660 Visa Card The most popular bad credit credit card with a rewards program that pays you back
Continental Finance MasterCard®  Second most popular bad credit credit credit card on the internet and very reasonable with bad credit.
Continental Finance Gold MasterCard One of the most widely used bad credit credit cards.
Applied Bank Secured Visa® Credit Card- Best card to help really bad credit. You WILL be APPROVED and reported to bureaus for good credit but you have to deposit funds to overcome the really bad credit. AKA secured credit card.

 One of the hardest things in the world is getting approved or getting new credit when I have no rated credit on my credit report.

• Good current and rated credit must be open for at least one year.
  Must be within the past 2 years since date of last activity.
  Must be reported to credit bureaus.

• It will take me at least 1 - 2 years to establish new good credit.

• After 1 year the credit will be rated and will influence my credit score.

• After 2 years my credit will get labeled "solid" by a potential creditor.

•  If I haven't had active, rated, reported credit, bad or good, in the past 2 years I will have a 0 credit score.

• Not rated or reported credit lines:
  Rent, phone bill, electric bill, cable tv, water bill, insurance, doctor medical bills, rent to own furniture and the like. These show on my report only as a negative.

 Here is a list of possible ways to get started to new good credit.

•  Get a cosigner. Cosigners are good for starting new credit but not for overcoming recent or less than 2 year old bad credit.

•  Have a strong enough provable job history an no past bad credit history. Apply for any gas card or credit card.

•  Be almost out of college with good grades, a certain degree, and a good job lined up. Qualifies for "First Time Buyer" is the lingo. Go buy a car with some money for at least the taxes. Apply for any card.

•  Send a cashiers check for $300.00 to prove your good intent to open any Major Brand gas card or MasterCard, Visa, Discover.

•  Go to your local banker and borrow money against your savings account, but make sure they will report to a bureau before you sign anything. Borrow X dollars and put the money up. Go into the bank each month and make your payment with the money you borrowed. Make payments for at least 12 months not a minute less. When you make the final payment go in the bank again and tell your loan officer you are making your final payment today and might need some help in the future so THANKS.

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 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.
 Get new good credit totally free  
 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