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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
A history of missing credit card payments, filing for bankruptcy or other financial stumbles can make it difficult to get a credit card. However, you have another option. Applying for a secured credit ...
Published: Mon, 23 Jul 2018 13:00:00 GMT
Credit cards are useful tools for establishing yourself as a responsible payer in the eyes of financial institutions. Use them properly, and you'll build a history that will make it easier for you to ...
Published: Sun, 22 Jul 2018 12:32:00 GMT
Unable to get a credit card If so, it may be harder for you to build a good credit rating, making everyday life tasks like making a hotel, plane or car reservation a little more difficult. The same g...
Published: Thu, 12 Jul 2018 09:45:00 GMT
What you'll find is that not all cards for people with poor credit are bad. Some cards, like the Secured MasterCard from Capital One, can be a good tool to build or rebuild your credit. How to Get a C...
Published: Tue, 12 Jun 2018 12:22:00 GMT
Secured credit cards enable virtually everyone to build (or rebuild) their credit by responsibly managing their secured credit card just like any other credit card. Best of all, many secured cards hav...
Published: Mon, 21 Aug 2017 07:57:00 GMT
A credit card is a good borrowing tool to tide over shortage of funds. It is extremely convenient to use and carry and so is preferred by many. For a salaried individual, having a credit card is not d...
Published: Thu, 05 Jul 2018 06:22:00 GMT
One of the easiest ways to build credit and improve a credit score is to open a secured credit card. Whether you're young and new to credit, or are looking to improve your credit score because of past ...
Published: Thu, 05 Apr 2018 09:04:00 GMT
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