Bad Credit Agency

if you have bad credit and want a credit card how can you go by getting one?

i have bad credit and i want a credit card how can i get one

Public Comments

1. fix up all ur old defaults and pay them off
2. www.OrchardBank.com
3. Try this company. Costs a little but well worth it. http://creditrepair.divinfo.com/
4. You'll have to get a secured card. Orchard Bank is the best.
5. Back when I was rebuilding my credit I got a card through Orchard Bank. It was a secured card with $200 in a security deposit but I had $200 credit limit on the card. I wasn't really happy with them. My husband got one through Capital One and they only made him put down $200 security deposit and gave him $500 credit. Once you close your account you get your security deposit back. Make sure you get one with very little fees. Be prepared to pay an annual fee of no more than $75 dollars or so but no monthly fees or anything, I've seen some with some really horrible fees! Good luck getting your credit back on track, it is hard but just be persistant!
6. BofA charges only $29/year for secured credit card. There might be some cheaper secured credit cards out there. Key to good credit is use it responsibly. If you abuse credit cards, your credit is going to suffer. Do not listen to all these "Credit repair" companies. They are in market to suck out money out of poor, ill informed ppl.
7. Couple of things. see if your bank offers a secured card. Typically you just make a deposit with them to activate it. Then you are allowed to use up to the ammount of your deposit. Be careful tho if you go over then there are some hefty penalties for it. I have attached a link in sources that you can try. The best thing is get all of your credit reports and see what people are reporting about you. Make them verify these reports. good luck
8. If you are serious about getting a credit card a good place I can suggest is http://www.ipod-vibez/credit.html... they have a list of credit cards even for bad credit, that you can get approved for I told 2 of my friends about it last week and they were approved I have one also and I was approved quickly and easily
9. Get a credit card from either Orchard Bank or New Millennium Bank. You can rebuild your bad credit with the secured credit card from either of the banks. Please don't trust any company that will help you repair your credit because there's no such thing. The only way you could do it is to honor your commitment paying your delinquent bills. I wish you well repairing your bad credit.
10. Bad credit is one of the worst problems to have... however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : http://umgarticles.atspace.com/debt-consolidation.htm if it helps kindly remember me in your voting!.. cheers!