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Credit Score Changes

If your credit is tarnished you may be looking for credit alternatives, along with hundreds of thousands of other consumers. The explosion in credit spending and then the subsequent recession have left many financially damaged and in despair. Whether the culprit was a job loss or being over extended getting yourself back on track is the next step to improving your credit worthiness.

Losing access to credit cards is a major life changer for many. Credit cards not only make for convenient shopping but are also mandatory in many scenarios where a Visa or MasterCard must be made available to shop online, rent a car or hotel room, and more. Even worse is when you need to rent an apartment or apply for a job but your credit history won't have it. Not to mention that a car loan or buying a home are completely out of the question when your credit is caput.

Is it time to throw in the towel and move in with your mother-in-law? No. But, how do you begin improving your credit when no lenders are interested in you? A detailed plan of action, to improving your credit, should be your next move. Here's where to start:

When you're down and out on your financial luck the only smart move is to take action. If you can't get approved for a regular credit card, start with a secured credit card. Focus carefully on making payments early, every month as well as maintaining a balance that that is equal to or less than one third of the granted line of credit for best results.

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Secured Credit Cards In The News

3 Times Getting a Secured Credit Card Makes Sense

The best secured credit cards are an excellent tool for building and rebuilding credit fast. They give credit access to people who usually don't qualify due to low credit scores. At the same ...

Published:  Thu, 14 Mar 2019 04:27:00 GMT

How Do Secured Credit Cards Work Everything You Need to Know to Get Started

For those with poor credit, it can often seem impossible to get a credit card in your times of need. This can make it seem like there is no way out from a spiral of poor credit. Secured credit cards ...

Published:  Thu, 14 Mar 2019 14:16:00 GMT

How Business Credit Cards Work

Business credit cards work similarly to personal credit cards in that they ... need pay off debt faster with a 0% APR offer, or want to secured a massive sign-up bonus. You can see the full list by ...

Published:  Tue, 19 Mar 2019 06:39:00 GMT

Millennials See a Cashless Future but Lack Credit Knowledge: Study

About two in five millennials in the study said they were willing to help their children establish credit through a secured card or help with student loans. At the same time, 55% of all survey ...

Published:  Wed, 20 Mar 2019 06:24:00 GMT

The Best Secured Credit Cards that Don't Require Credit Checks

When shopping for a secured credit card, there may be a number of reasons you want to apply for the card without adding a credit inquiry to your credit report. Credit inquiries not only show where you ...

Published:  Tue, 12 Feb 2019 16:00:00 GMT

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