how and where can I find credit. My credit is shot do you know of any companies that will let me have credit.?

Question

do you know of any companies are cataogs that will give you a chance with bad credit. I have a good job now and want to establish good credit. Please help?

Answer 1

I've got one. It raised my score 15 points and they report within 10 days of being approved. Everyone is approved. I won't use it much and that's good too. It's from Crown Jewelers. You apply online, they send you an e-mail giving you your account number and password. You automatically get a $1500 limit (everyone does) but they won't report your account to the credit bureau until you've ordered something. They make you put a down payment down on your first order. I got a $100 pair of earrings , put down $21 and that was it. The e-mail says you have to spend a certain amount to get $1500 credit limit but that's not true. This one will be good for you unless you're a jewelery freak and charge it to the max.
Now for a guaranteed credit card I'd suggest Imagine.

Answer 2

As someone who deals w/ credit daily, I would suggest not getting any credit now since it will be unaffordable due to your credit being shot. Having shot credit is a sure sign of poor paying habits (even if it was beyond you control, like a layoff). You are a much higher risk now & to make up for that, they charge you extra interest, so instead of 11% it will cost you 28%.

Try to fix up what you have by paying up what is due, get things out of collections, pay on time & regularly. It almost seems as if you are a glutton for punishment & have not learned your already painfull lesson.

Why are you still seeking more credit if you cant/wont pay what you already have?

Answer 3

You can start over by getting secured credit card from your local bank.Talk to your banker about this.