I want to fix my credit but I don't know how. Please advise.

Answered on June 10, 2014
Updated on June 10, 2014
The content is accurate at the time of publication and is subject to change.
James Williams James Williams

Start with checking your credit reports. See if everything is correct in your reports and if you find any inaccuracy, you should contact a credit bureau to dispute it. When it is done, you can use our card match tool to see which offers you can apply.

When you receive your card you should use it responsibly if you want to build good credit history. Make all the payments before the due date. Never skip the payments. Try not to use more than 30% of your available credit limit to keep your debt-to-credit ratio low. If you want to avoid paying interest, you should pay off the card balance every month.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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BROWSE MORE QUESTIONS ABOUT No Credit Cards:

You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit.
If you do not have any credit history, you should consider credit cards for people with limited or no credit history. We recommend you consider secured credit cards. Don't worry about security deposit as it is refundable. Also, some secured cards have rewards programs that allow you to earn cash back on your purchases that may potentially cover your deposit expenses.
We can recommend you start with secured credit cards. These cards require a security deposit paid upfront. A secured credit card is a good way to build your credit history as it reports the account activity to major credit bureaus. You just need not to miss payments and pay off your balance. After that, getting approval for an unsecured card will be much easier. For example, you may consider the Merrick Bank Secured Credit Card. This card can help you build credit, since your account activity will be reported to all three major credit bureaus. The amount of your deposit determines your initial credit...

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