Bad Credit Agency

the only credit i have ever had is bad(credit cards)all the loans are in my husbands name his crdit score isnt

THE ONLY CREDIT I HAVE EVER HAD IS BAD (CREDIT CARDS) .I HAD THE CREDIT CARDS WHEN I WAS 18 I AM NOW 26, ALL THE BANK LOANS ARE IN MY HUSBANDS NAME .HIS CREDIT SCORE IS NOT GREAT EITHER IT'S A 568. MY QUESTION IS HOW DO I GET MY OWN CREDIT OR AT LEAST REASTABLISH WHAT I HAD?

Public Comments

1. a good advise is to close the collections your have credit card companies usually don't lend to those with open collections Then, get a card and show good credit for 6 months - your first card will be either secured or with a low limit, fees and high interest rate good luck
2. Yes, there are high interest credit cards with unusaully high fees, but they do work. I began rebuiding about five years go. I have a 722 score now, and 2.7% on my truck. First time ever I brought something with out a major down pay,or extremely high inetrest. pay everything on time, and if you have extra send more. Stay at least halfway (recommended less than 30%) under the limits on everything. wtch the inquiries, and make sure all info including education employment, and residence in credit file are correct. it tkes time, but it is possible to have a high score and minimum debt. I never ruined my credit just didnt buy much. Always rented until a few years ago, stayed away from credit cards, and got class b loans. And worst of all my exhusnad had everything in his name. So after him, I started on my own. i began with the high fee cards. had great experience. started with tribute, Apsen, and rewards 660, nd total. Paid ontime got increases(didnt take it fom 660 there was a charge) but they report monthly to all. I now have a usaa card with higher limit, and the respect of platinum. Both my husband and I are divorcees so this time, I wanted to make sure not only could I take care of myself with my job, but with my credit. I hope I have given you some info you can use, if not i least wanted to inspire you. Oh yeah make sure that you have in the disclosures that they will report to the bureaus.
3. One of the fastest ways to get cash with bad credit, and little hassle, would be with a payday loan. Yes they have terrible interest rates but they are taking a risk. This site offers more details about the payday loans as well as various sites offering the loans, many without even a credit check. Do your homework. Best starting point is here: http://loan.deal4-you.com Good luck.
4. Anybody can have a bad credit record. Mistakes do happen. But what we should do is not to repeat the mistakes. Follow the same advice when it comes to loans. If you have a bad credit history, then go for a bad credit loan. It is a feasible loan option to let you fulfill your financial goals. A bad credit history can include arrears, defaults, bankruptcies, County Court Judgments etc. Usually, adverse credit loans are given as ...