Captial one card NON SECURED that I will be receiving or SECURED card from US bank to rebuild bad credit? related questions

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Captial one card NON SECURED that I will be receiving or SECURED card from US bank to rebuild bad credit?1VICTOR2012-11-04 01:48:02
Please read this in its entirety and only respond with appropriate answers to all questions. Do not list fake websites or informed him that! I want to say first that I have 25 years of age and again in 2004-2005 went through some credit problems. I have not had any credit since it has no debt and credit, and has been paid for almost two years all accounts are closed. I have 3 negative accounts arising from my reports late 2012. I'd like to start rebuilding my credit. Recently I have been rejected by the Bank of America for a normal card convinced me of the application and a secured card, so I have two queries from January 2010 of them. An investigation in February 2010 to choose a sum insured NOT A card with a $ 39 annual fee and are approved will receive next week, but after much criticism of the company seems to have deceptive business practices, increasing APR rates and instead of putting say $ 300 as a credit limit that is put in place what position he would hurt me to use my credit results. If you try to close the account, add the charges to your account fraudgelant etc. Their customer service is in India and not good. Is this true? I read this on yahoo answers and my 3 cents complaints. If so should I try a U.S. credit card SECURED down to $ 300 with a $ 35 annual fee? The credit union does not offer far secured credit cards. If I can get a secured card U.S. CD Bank should open a 1-2 year $ 1,500 guaranteed with my bank is Harris Bank to show a loan? I have two charge offs and a credit card account with a couple of late payments 90 days which is also closed. I have 5 accounts per day, but are closed and were never used. What will my credit score go up from 1-2 years from now? Currently all questions before new for 2010 were my TU FICO: 597 Equifax: 648. I will only be using 7% of my limit of $ 300 rather than 30%. Refer to my other question here from the other day for more details on my credit standing entitled
I am trying to rebuild my credit, is a secured bank loan better than a secured credit card?1Crazy_Girl 2012-09-02 02:11:03
Capital One I have already insured with a limit of $ 300, I was thinking of getting a credit card or secured loan through my credit union. I have about $ 1000 - $ 1500 to get something .
Is a secured credit card a good way to rebuild credit?3Clothilda2012-10-19 06:54:02
I have had some past credit problems , but I have paid all my bills pending in the collections . Currently I just keep paying my student loans . I want to apply for a mortgage in the near future and want to improve my credit .
Will closing a secured card to obtain a unsecured card hurt my credit score...also more ?s 10pts?1oshar2012-09-23 04:14:02
Is 2 secured cards and a secured loan to much to build my credit?
Secured Loan or a Secured Credit Card, which is better to raise my credit score faster?0Dianne2012-09-17 17:03:03
I have to be able to raise my credit score fast , like in 3 months or so . I have only two credit accounts . One is 614 and another one is 530. I have to be able to have an average of 580 traffic in a hurry , which is 3 totals . They told me if I get 2 or 3 credit cards secured , use them and then pay off at the end of the month , bring my credit score quickly. But I was told that if I were to get a few secured loans and do the same , it would help me out better, because interest rates and fees on a secured credit card . So much have two questions here . Is it better if I get 2 or 3 secured credit cards or get 2 or 3 secured loans ? It is also better to have 2 or 3 in any of these or a large one?
Choosing between a credit card, secured card, or loan?0Tahmina2012-09-12 15:03:03
I am a college student looking to build my credit. I was originally looking for a credit card , but was told it was a bad idea, and go for a secured card from a bank or a loan . My credit score ( Credit Karma ) is 672, while my VantageScore (also Credit Karma ) is 686. What is my best option ? I'll probably take a loan of $ 5000 ( ? ) , And pay in a year . Or, open a savings account with $ 500 for a secured card . I'm still looking for credit cards , so also remain viable . MedlinePlus I understand the importance and building credit risks , which is why I want to be sure I'm making the right decision . Any links or information that anyone can point me would be helpful . MedlinePlus MedlinePlus Thank you !
Is 2 secured credit cards and a secured loan enough to rebuild credit? detailed info inside 10 points?1Sum1Special2012-11-04 22:07:02
I have defaults on student loans a few years ago , due to the difficulties . also a credit card . i finally started to pay off student loans and I hired a company to repair my credit by sending letters to take my negative reports. Meanwhile I wanted to build my credit because id like to own a house in two years after im married . Will 2 secured cards and a secured loan work ? help
I am trying to build my credit at 19, should I apply for a secured credit card or a secured loan?0madalyn2012-11-05 14:07:02
I have no credit history , but I am very responsible and I have a good job , while being a full time student . I've been doing research for the last few hours and see that a secured credit card is my best bet. I would make the payments on time , complete, and do not mind paying the annual fee , I think it's worth . MedlinePlus MedlinePlus However, my union bank offers a secured loan ( that do not offer a secured card , which are small and private ) MedlinePlus MedlinePlus So one must ask ? :/
Whats better a secured loan or a secured credit card for credit report?0janel2012-10-15 08:27:11
I have $ 800 would help my score to get a secured credit card or to find a secured loan. Also if I can put my name there husbands are informed both our reports or just the first person on the loan
What Secured Credit Card Does Not Report as a Secured Credit Card?2Tania2012-09-15 05:19:04
I 'm on the basis of repairing my credit so sad . I do not know my score , but I know that I have not reported anything positive , but me paying past debt and my student loan being delayed because I'm at school . MedlinePlus MedlinePlus I just want to set up a secured credit card that does not correspond with a prepaid card - . From what I understand it still hurts your credit MedlinePlus MedlinePlus Thanks for any help !
Should I get a secured Credit Card through my Credit Union or Bank Of America?2bellas mom2012-10-02 21:45:02
Trying to rebuild credit and heard a secured credit card was a good start . I like Bank of America , as they offer a rewards program and the card can be guaranteed if used right between 9-12 months . My Credit Union does not offer rewards , it is unclear when it could become unsafe . Is it still better to go with the credit union if you want to try to use for a car loan in the future? Does havin a credit card with them to strengthen my relationship with them and make them more likely to help me in the future ? Or go with BoA and if my score improves my credit union will support me in the future anyway ?
Which bank would open up a secured credit card for me? (to build credit)?0JYD!!2012-08-27 05:14:17
I have only 19 and want to start building a credit history ? Any advice ? MedlinePlus im with a small bank that offer secured credit cards , but makes loans secured credit .. I do not want to do this , however , I have a secured credit card .. which bank do this? Builiding any advice on credit ?

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