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Tag Archives: secured credit card

I Made Poor Financial Decisions But Learned From It. Now I Want to Rebuild My Credit. – Mike

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“Dear Steve, Steve, Im a 29 year old father of three. In my early 20′s i made very poor financial decisions. Now I’ve decided to finally grow up and take responsibility for my credit. My rating as of now is 546 according to my report. I applied for a secured credit card with cap 1 and was approved, I also ... 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 »

Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

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So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably already been turned down for the best credit cards and maybe you’ve had trouble getting a car loan. Perhaps you’ve even put off ... Read More »

Credit Card Interest Rates by Credit Score, Type of Card and Issuer

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The most recent statistics on credit cards sorted by interest rates, types of cards, issuer, and credit score. By Type of Card By Issuer By Credit Score Get Out of Debt Guy – Twitter, G+, Facebook Read More »

Can I Get a MasterCard After Bankruptcy? – Cassandra

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Cassandra “Dear Steve, My debt was discharged is 2003. Recently I have had 6 negative accounts and 1 negative public record (Child support) deleted from all three credit reporting agencies. I do have four installment loans (federal, private school loans) and one fashion store card both being paid on time and in good standing. My credit score is 660 and ... 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 »

Bankruptcy Filers Can Easily Get Better Credit Scores Quickly

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When people go bankrupt their finances become a painful chapter in their lives. They avoid credit and shun anything to do with their credit reports or credit scores. And that’s a mistake. Going bankrupt is painful enough but being unfairly penalized for going through bankruptcy is not fair. If you have gone bankrupt in the last seven years you need ... Read More »

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