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Tag Archives: secured card

Capital One Turned Me Down for a Secured Card. Why?

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“Dear Steve, At one point I owned 7 houses and had 780 credit score. I fell on some very hard times. I lost 1 house in foreclosure about 5 years ago . I had to sell and short sell 5 more of my homes.The last short sale closed in October 2012. I also setteled 2 credit cards and are paying ... Read More »

I Got a Secured Card But My Credit Score Didn’t Shoot Up. – Cary

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“Dear Steve, My credit score was mid 600′s with no credit history at all, until about a year ago a cable provider claimed I didn’t return an HDMI cable, and it took me two years to finally settle up with a law firm I owed a few thousand dollars to. My credit score dropped 75 points. I paid these off ... Read More »

What Should I Look for In a Secured Card? – Lorraine

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“Dear Steve, I have a really bad credit score, and I am trying to slowly but surely raise that. I have already paid all of my accounts that were in collections, and disputed two of those accounts. I am going to follow your advice and get a secured credit card, but I am a little overwhelmed when it comes to ... Read More »

Be Smart and Find the Best Credit Card That’s Right for You

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For anyone who has spent more than a few minutes on the GetOutOfDebt.org site you easily come to the conclusion that it is primarily about getting rid of debt but getting out of debt is more than just about eliminating your bills. Getting out of debt is also about not getting into overwhelming debt. One way to do this is ... Read More »

You Really Helped Me Boost My Credit Score. I’m Forever Grateful. – Ericka

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“Dear Steve, I have followed your advice before and glad to see a great change in my credit report. I used to have a horrible score of 305, which is the low of the low. When I lost my job in 2007 and my high income, I defaulted on 2 of my credit cards and 2 cell phone companies. I ... Read More »

Working on Raising My Credit Score and Need Some Advice. – Shawn

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“Dear Steve, Working on my credit to raise my score and need some advice and or assistance. i have pulled my credit reports and i have found a lot of discrepencies and things that should have been romoved . there are things that show an amount but no other information. there are items that are 15years old . can you ... Read More »

I Am Bankrupt What Do I Do Now? – Mary

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“Dear Steve, I am bankrupt what do i do now? Mary” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here The Answer   Dear Mary, Excellent question. Being declared bankrupt and having your debt discharged ends ... Read More »

I Have Followed in My Parents Footsteps. – Sheena

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“Dear Steve, 30 Years old, bad credit, one account in good standing, paid off all but 12000 in debt. Total household income $50,000 I am in the process of trying to pay off my debt and re-establish credit but I don’t know where to begin. I have saved $2000 for emergencies. Not I am in the process of paying off ... Read More »

How a Secured Credit Card Saved Me After Bankruptcy

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In 1990, after my bankruptcy, I wanted to avoid the use of credit. For me credit was pain because I believed that without credit I would never have found myself bankrupt. Rational or not, that’s how I felt. It wasn’t too long after that I realized that if I was going to be able to do the things I needed ... Read More »

I Have An OK Credit Score But Can’t Get a Credit Card. – Chris

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“Dear Steve, I am graduating from college this semester with an Associates of Science in Communication. I have no credit card debt but have roughly $50,000 in student loan debt, due to out of state tuition costs and loss of a job I had. I have a job as a NJCAA sports broadcaster at a community college and make about ... Read More »

Chris Has Bad Credit. I Show Him How to Easily Get Good Credit.

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“Dear Steve, I’m 35, new dad, have a terrible credit score(in the 400s), want to improve my score for a better quality of life, and most of my debts are 8 years and older. I want to find specific information on how to remove old debts from my credit report. (ex. To whom do I write my letters? What should ... Read More »

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