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Tag Archives: secured credit cards

3 Reasons You Should Have a Secured Card

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Secured cards are often misunderstood. And while they are an awesome tool to use to rebuild credit, there are other advantageous uses for them as well. For example, a secured card allows you to put a shine on your credit and raise your credit score WITHOUT going into debt. People are often credit shy after having lived through a debt ... Read More »

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 »

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 »

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 »

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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