Credit help!?

In the past I was unable to pay my creditors due to illness and other personal issues. For the past twenty months I have been working with my creditors to resolve my debt and have been quite successful. I manage to raise my score from 575 to 650. Currently I have one major credit card with orchard bank & some student loans. Also , charge offs from (2002) capital one & GEMB Jc Penny I am working with both vendors to come to an resolution. A friend of mind advise me to apply for another major ccard to help boost my score. My question is should I apply for a major credit card score?

Yes.

You should have no problem getting another credit card, try Capital One, H.S.B.C., Washington Mutual and First Premier.

Use it and your other card for everyday things, never exceed 30% of your credit limit in any given month and pay in full before the due date.

I did this with 2 cards and raised my score over 150-points in 24-months.

Apply for a visa or Master card, a department. store card, or a gas card.

If you are at 650, you have a score already that a lot of creditors would like. Try applying at your local bank to see if they would give your their card, and try Citibank. They have the best rewards cards, no annual fee and low interest rates. Since they are the largest bank in the country right now, you have the best chance to get a card with them.

To get your score even higher, pull your TRW's from Transunion, Equifax, and Experian and dispute all negative items. 650 is good, but 680 or higher is considered excellent. You are very close to excellence.

Hope this helps.

don't obsess with your credit score. Pay as you go and you will win with money.

The only people that obsess with the credit score are the ones that are planing on borrowing lots of money and paying lots of interest.

A low fico score from not paying your debt/bills is trouble. If you have a 0 score from not borrowing money will still get you an apartment and a job and home loan.

debit cards will do anything that a credit card will do except get you into debt. They have the same protection as a credit card if it has a mastercard or visa logo on it. It says so on their website.

Debt free is the way to be!

Sure get the credit card. Then use it!

Credit is built by virtue of the fact that you charge AND pay off a debt. So, use it. Charge say $20 a month, something you can easily manage,and pay it off immediately. It's an excellent way to build your credit.

You can improve your credit score with knowledge, some time, some effort and not a lot of money. Start by learning the credit laws in the United States. The big one that will help you is that credit<!--bureaus must respond to disputes in a set amount of time or they have to remove disputed items from your credit report.

http://www.best-loans.we.bs/

Get a copy of your credit report and go over it with a fine tooth comb. Find the inaccuracies; almost every credit report has them. Write letters to the credit bureaus, disputing the inaccurate-->items. If they can鈥檛 prove it鈥檚 correct or don鈥檛 respond in time, the items must be removed.

Try Macys they are excellent and its stays with you forever they helped my sister score ALOT!

Apply for a HSBC credit card:

. Search for HSBC credit cards on the Internet and select the one that is most appropriate for your needs. Once you have chosen the preferred card, the next step is to submit basic information, such as your personal details. After you have done this, fill out the application details to indicate your card instruction choices like ATM, language etc. The third step is confirmation. Here you read and accept all the terms and conditions and declarations of the agreement. Once you are through this, the last step is acknowledgement. Here you get a reference number to confirm the receipt of your application.

Some of the well known HSBC credit cards are: HSBC Platinum MasterCard, HSBC Cash Back Rewards MasterCard, HSBC Cash or Fly Rewards MasterCard etc. The primary benefit of these cards is the 0% introductory Annual Percentage Rate on purchases and balance transfer from 6-12 months, right from the day the account is opened. All these cards offer online account management services.