Bad Credit Credit Cards: Secured credit cards

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I'm Bo Majors
139 Jennings Cr
Tullahoma TN 37388

I read your website and used a lot of the information you provided and was able to raise my score from 571 to 671 in 2 1/2 months. Thanks Bo

Secured Credit Credit Cards

Pre-Paid or Subprime Credit Cards

Orchard is a MAJOR CREDIT CARD for a Beacon Fico Credit Score Range from 350 - 749 and Orchard MasterCard Credit Cards report to the major credit reporting agencies, which will boost your credit score rating if you pay on time. I "Bo Majors" advise my customers to apply for this card to get good credit AND to get GREAT RATES for folks with high scores. Credit Cards by Credit Score

These are the best bad credit and secured credit credit cards that will help your credit. 12 months minimum.

I "Bo Majors" had a charge off for 345 dollars in 1990 with a Fair Credit Credit Card.
In 1992 I called them and told them I needed good credit and that I would pay the 345.00 and add and extra 300.00 down payment to start new good credit.
They agreed.
I charged gas and paid extra each month for 12 months.
I called Orchard after 12 months and asked the Fair Credit Credit Card to remove anything older than 24 months which was a charge off, 5, 30 days late, 2, 60 days late and 1, 90 days late and they did.
I checked my credit report and everything with Orchard now said 400.00+ high credit limit with 0.00 dollars owed and a perfect "no lates" payment record.
My score jumped huge in less than 13 months.

The best fix bad credit move I ever made. Negotiate and pay.

I need to keep my debt ratios as low as possible on these cards.
Must be reported to bureaus for at least 1 year.

I keep my debt ratios under 80%. If my credit card has a $5,000 limit, I don't carry a balance of more than $4000.
I keep credit purchases under 50% of the credit limit. (If I have a) $5,000 limit - and I want to buy a $4,000 worth furniture on my credit card - I split the purchase onto two cards. Creditors don't like to see a credit cards almost maxed out.

Bad credit Credit Cards: Secured credit cards

RULE NUMBER ONE FOR GOOD CREDIT
I must have 3 current open lines of reported credit to have good credit and improve my credit score.
This credit must be at least 1 year old and not more than 2 years since closed.
Phone cell cable electric gas rent many local finance companies report only negative

If I have a credit card or loan that reports to a credit bureau, I have a credit history. I should get a copy of my 3 in 1 credit report and review it for mistakes, correct these mistakes problems and slowly close unused accounts.
Having a super high credit limit and no balances make my score go up
Close small retail credit finance company type credit cards like Sears, J.C. Penny, Home Depot or GAP.
Having too many credit cards can make my credit rating drop.
I know the credit card rules on the back of my credit card agreement are slanted in the credit cards favor and the rules state credit cards can raise my interest rate just about anytime they like. If my score drops or a payment is late then I expect a higher rate.
0% percent credit cards work if I have close to perfect credit scores but the interest rate goes up more than 60% of the time to a higher than normal rate if I make one small mistake on my payments.
I keep or reopen old credit cards as potential creditors like stability.
Credit card companies can change interest rates at any time. The most important thing to remember is that you are responsible to keep up with your bills and stay on top of your credit and understand the bad credit card ground rules for people with bad credit.

Credit cards are one of the best ways raise and rebuild good credit. I use personal credit cards or loans, at least 3, that have been open for at least 1 year and report to one of the credit report bureaus.

Transferring balances is better done at the time I apply if possible. Most offers let the first time transfer go free and later there is a 3% of transferred balance fee.
Any cash advances are always charged the HIGHEST rate no matter what my offer is, and normal charges are usually at the normal rate not the 0%. So please do not get confused here.
Payments must be in the creditors hand before due dates even the date falls on a Holiday or Sunday. Failure to get payments in before these due dates will make my interest rate go up fast.

There is no one way to have perfect credit. Most credit and bad credit card experts offer contradicting advice. Most do agree with these 2 statements:

I need to make payments on time and call if it looks and I might be late.
Always call about late fees.
Never think someone other than myself is responsible for making payments.
Keep my the balances lower than 80% and better yet 10 percent or less for very high credit scores.
If I run my balances up my score will dramatically drop.

Credit cards for credit score under 600 that will improve credit
599 credit score and below OR search for credit card by credit score
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Bad Credit Credit Cards: Secured credit cards for people with problem credit