I am going through ID theft.  When I check my credit I have over 30 inquiries in about a week. I really need a credit card to establish my credit again but always get denied. Can you help me please find a way?
Answered on Friday, May 16th, 2014 by
James Williams

If you haven’t put a fraud alert in your credit report yet, it’s high time you did it. Visit the FTC website to find out more about identity theft and what you should do. Try to clean your reports and only then apply for a credit card. A secured credit card like the OpenSky® Secured Visa® Credit Card can be a good option for you.  The issuer does not check credit reports when you apply and you will have to put down a collateral deposit which will be a kind of security for the bank. There are more chances to get a secured credit card because of collateral you pay. The card will be reported to the major credit bureaus, so you will be able to rebuild your credit.

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Although store cards tend to have a large window of the types of credit they accept, I would not recommend it. If you have not done anything since applying for the previous cards you were denied for, it would be doubtful your credit has improved much. If you have recently been denied for other store […]

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