Bad Credit? We'll try to help....
(and we won't make you pay a fee for OUR help!)

   

Okay, so you've had some credit problems in the past.  You've maybe had some late payments, maybe even declared bankruptcy.  And now you're ready to get things back on track.   The problem is that it seems no one wants to help you....right?
We hear from consumers on a daily basis who just need a second chance or help in rebuilding their credit.  Well, we've checked other websites, and it seems all they want to do is tell people things they already know.  We're going to try to be different........hopefully we'll be able to give you some sound help.
Let's start out with the basics.....
Credit Card Scams First, one of the biggest scams going on right now which is targeting people who have bad credit and are looking to try to rebuild their credit.  Basically, people receive a "pre-approved" certificate in the mail stating that they have been approved for a credit line of $10,000.  All you have to do is mail the company a check for $25-$50 (more for rush processing, of course!). What these companies neglect to make clear is that the "credit card" they are offering is nothing more than a piece of paper that allows you to purchase overpriced goods from THEIR company.  The card is not a major credit card, such as a Visa or MasterCard. We have created a message board with TONS of posts on it from people who have been scammed by these companies, or have read our warnings and saved their money. You can click here to read full details about these companies.
What cards do I qualify for?
Ahhhh, the age-old question!  Well, as you probably know by now, there's no magic answer that will apply to everyone. First, let's discuss a few things.  There's two types of credit cards:    Secured credit cards are cards that require you to mail or deposit a sum of money into your credit card, and you purchases are deducted from your deposit. Unsecured credit cards are cards that most people are familiar with....you are extended a line of credit, of which your purchases are deducted from, and you pay your account every month.
Since everyone's credit history is different, here's some basic guidelines that you can use to decide what credit card to apply for:       Get a copy of your credit report. If you don't have a recent copy of your credit report, get one!  They're very cheap to get, as low as $10, and it really helps you see what your credit looks like and what good and bad items show up. You can click here to get a copy of your credit report.  Not only can you get a copy of your credit report, but you can also get a copy of your credit score and receive an analysis of your credit history, which includes helpful tips to improving your credit score!      Next Steps..... Does bankruptcy show up on your credit report?    Yes....click here    No......click here