credit card?

Question

does anyone no of a credit card for ppl with real poor credit trying to better their credit ? and where to get a free credit score without a credit card?

Answer 1

Go here http://www.bestcreditrates.net and apply for people with bad credit.

Answer 2

If you are drooling over the bad credit history you've gotten yourself into, then worry not because you are not alone who is facing such kind of ordeal. Most of the businessmen and other regular individuals also happen to incur bad credit histories. Such thing has yet become part of the many cancers of the society. There are a couple of disadvantages though which come associated with earning bad credit history. The very basic one is that it hinders you the enjoyment of some credit privileges.
Your credit is bad. Perhaps you have a string of unpaid bills haunting your past. Maybe you declared bankruptcy within the past 10 years, or defaulted on a student loan.

All of the above can block your access to obtaining a major credit card, such as VISA or Mastercard.

But bad credit is not the only reason you can be denied a major credit card. Some people simply have never used credit. People who like to pay cash only, have never financed a car, taken out a college loan, or a mortgage may have zero experience with credit. In that case, most card companies will reject your application, not because you have bad credit -- but because you have no credit rating.

Credit scores provide a numerical representation of a consumer's credit at a point in time. The most popular credit score is a credit bureau risk score that is based only on what is in your credit report. Computer programs process a consumer's credit report and analyze those factors that have been found to predict creditworthiness. The resulting score assesses the likelihood that a borrower will repay a loan or credit card on time. The higher the score the greater the likelihood that you will be approved for credit, possibly with a better rate than if you had a low score. Anytime information changes in your credit report, your score will change. If you have a short or incomplete credit history, it may not be possible to calculate a score.
you can take more information from: http://www.card-gallery.com/article/7,How_To_Get_A_Credit_Card_No_Matter_How_Bad_Your_Credit_Rating

Answer 3

My advice to you would be to get a secure credit card. You go to a reputable bank or financial institution for one of these. Here is the way it works:
1- You save anywhere from $300-$500
2- You go to the bank with your money and ask to apply for a secured credit card
3- The bank will deposit your money into a savings account and attach the credit card to the account
4 - You make purchases with that credit card {- your limit is however much you have in your savings account...the money is just held there as security in case you don't pay your bill}
5- Each month, you get a bill for your purchases and you pay it just like a normal credit card
6- Your payment activity is reported to the credit bureau as if it was a real credit card
7- Usually, after a good payment history of 9 mos- 1 year, the bank will give you the option of taking your deposit money back and they will issue you a real credit card

Mind you, there are some major credit card companies like Visa and MasterCard that have cards specifically for those who are 'trying to rebuild credit'. The interest rates are kinda high on those, though.

Usually you have to pay in order to get your credit scores.

Answer 4

Go to CreditCards.com-- it is a site specifically for people with damaged credit looking for credit cards. If your credit is really bad, sometimes you have to pay a fee to get the card-- it's kind of their insurance-- and you will probably have a low credit limit to start. Try to stay below 1/3 of your limit at first, and BE SURE to pay it off EVERY MONTH!! TrueCredit.com will also give you a free credit report with a trial membership, just remember to cancel it so you don't get charged. Good Luck!!

Answer 5

go to www.myfico.com and sign up for their free 30 day trial (you get a free credit report and you fico score, it also monitors your report daily for changes, updating even your score!) it's great!

Household Orchard Bank, Capital One, some gas cards, are all places to start that are easier on people with low credit. If you already have a credit card it's sometimes easier to contact them to increase a credit line or lower an APR.