Are there legitimate credit cards that can help rebuild credit?
June 6, 2009 by Credit Repair Tips and Advice
Filed under More Credit Repair Answers
Can you answer Sniggly_Snew’s question about Credit Repair?:
I have a Reward Zone credit card that I’m using to help rebuild my credit. From what I’ve read, I need more than one credit card to help restore my credit. Does anyone know of any legitimate companies that can help improve my credit? And, yes I realize that I must make payments on time, etc. etc.
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I have a Reward Zone credit card that I’m using to help rebuild my credit. From what I’ve read, I need more than one credit card to help restore my credit. Does anyone know of any legitimate companies that can help improve my credit? And, yes I realize that I must make payments on time, etc. etc.
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Credit Repair Feedback: There are lots of cards out there like Capital One, Orchard Bank, and some banks that offer secured bank cards, or you can just go online and type in secure credit card in google, you will see lots of them. Keep in mind you don’t want to open up lots and lots of these accounts. You will also want to open up maybe a furniture credit card, or open a secure bank loan, or even purchase a small used car, where you can pay the car off within a short amount of time, all while having your payments reported to the credit bureau. This will get you on the right start you improving your credit.
Credit Repair Feedback: Check out and go under poor or no credit section here they have a few choices that you could choose from, I recomend Citibank no annual fee and zero on balance transfers.
Credit Repair Feedback: Orchard Bank (owned by HSBC Bank) credit cards is probably your best bet. They are probably the most legitimate sub prime credit card issuer. Below is a resource to check out the card.
Credit Repair Feedback: The previous answers name the brands and those are really banks which provide plastics for negative credit history. Generally, the best credit card to rebuild your credit is the one which suits your credit history. Thus you will avoid denials and, therefore, damage to your score.
To make the process of rebuilding credit faster, you can apply for two credit cards. However, in this case you will have to make sure your balances are not high and make more than minimum payments: debt to available credit ratio is also very important for your score.
A range of useful articles about different personal finance issues can be found here:
Credit Repair Feedback: - try this one. I personally use their card.
As I know it accepts everyone, even if a person has bad credit.
Just take credit and pay it in time, and your credit score will grow.