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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 credit card is usually the first entry on most young adults' credit reports, but many find it challenging to get approved for that first card. Lenders are often hesitant to work with young adults, b...
Published: Sun, 23 Sep 2018 12:29:00 GMT
If you have a checkered credit history or none at all, secured credit cards can be the best way to build a positive credit file. If you're going to apply for credit card with bad credit, there are a f...
Published: Mon, 24 Sep 2018 03:13:00 GMT
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
Don't carry a balance Make payments on time Use credit cards to get credit history If you're worried about overspending, consider a secured credit card Sign up for autopay Carry A Balance On Your Card ...
Published: Mon, 17 Sep 2018 09:22:00 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
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
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