I have a low credit score. its like 540 Can someone tell me which credit card I can apply for to boost my credit? thanks for any input.. really desperate
In any case, catalog and secured credit cards are your only hope. BOA and Citi both have secured cards and are generally fair. Citi does not advertise theirs so you must call and ask for it specifically.
Just remove "baddies", pay your bills and your score will increase. See the IBJANKY story.
Yea I do pay my bills. My name was on my parents card as an authorized user and it ruined mine. nothing I can do about it.
staci86
Senior Member
posted: Jul. 5, 2009 @ 10:10p
Trinimd1 said: Yea I do pay my bills. My name was on my parents card as an authorized user and it ruined mine. nothing I can do about it. If you were merely an authorized user, then you can dispute the account and remove it.
I thougt we need to speak with Kim Jong Il about the nuclear option
Nummerkins
Senior Member
posted: Jul. 5, 2009 @ 11:44p
Trinimd1 said: Yea I do pay my bills. My name was on my parents card as an authorized user and it ruined mine. nothing I can do about it.
You can fix it. Steps to take:
1. Have parents remove you as an authorized user 2. Dispute account off credit report
I have a feeling there's more than just this one card taking you down to 540. Go to annualcreditreport.com and get all 3 and see what else is incorrect. Have fun.
lithalum
Happy Member
posted: Jul. 6, 2009 @ 7:52p
Note to self: if going to be in debt, remove my children from my cards.
ziffy
Broke Member
posted: Jul. 6, 2009 @ 8:07p
Getting credit cards without any attempt to fix your credit is useless. Or you can stay off the credit radar for 10 years with the hope that by then all the negative stuffs will fall off.
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