I am trying so hard to build our credit score. We have had past history of credit problems but slowly are building . last i checked about a year ago our score was like 648. But still we cant do anything hardly. i dont know why. we are still considered high risk. I was reading on here to go to the credit union credit cards because they are easier to get and make sure you pay them every month. My question is what cards can someone get that is considered high risk and where do i get them.. I will make sure the payments are paid i just have to know how to do this.Please i need some help here .. we cant get lowes card i tried and was turned down. i had a credit card but it charged off years ago and is now no longer on our credit report. we havent had a credit card in years.
Forums
What is a Credit card one can get to help raise score
I think it would be better for you to contact with a credit card company and ask them about the different aspect of credit card. I hope you will be able to clear your all doubts.
You can apply for a secured credit card if you're planning to repair your credit and reestablish your credit report.
If you are unable to qualify for an unsecured credit card because you are new to credit or have made credit mistakes in the past, apply for a secured card instead.
How to raise credit score
Capital One offers credit cards to people with challenged credit history, with a bit of a high interest rate, but it's worth it to help rebuild your credit history.
If you do not qualify for the unsecured credit card, then you will have to apply for a secured credit card with just about any bank. Capital One, Bank of America, Merrick Bank, Capital Bank. Just as long as you have the funds for the security deposit and make all of your monthly payments on time, you will see an increase in your credit score after a few monthly payments. However, I've seen Capital One and Merrick Bank voluntarily give you generous credit limit increases when they see you pay your bill on time.
Good Luck.
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