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To start with you can opt for the grocery store cards, gasoline cards

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



538 Magic Points

 
Posted on Tue Nov 20, 2007 11:03 pm  

You are doing well here, hope you stick around for a long time to come.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
MannyLNJ
Guest






Subject: New here need a secured card
 
Posted on Fri Dec 07, 2007 2:05 pm  

Hi I'm new to this forum. I don't know my credit score because I won't pay for it but I know it's bad.

I have card that where charged off. Some that are in collections. I had a judgement filed against me which was one by default and I am now paying.

I want to rebuild my credit and stop using my debit card for purchases but I don't qualify for a credit card. What secured card has the lowest fees?
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



538 Magic Points

 
Posted on Fri Dec 07, 2007 3:47 pm  

Hi Manny, welcome to the forums. Did you know that you can obtain a free copy of your credit report at annualcreditreport.com, you can request one a year from each of the credit reporting agencies.

How old are you charge offs, after seven years they will fall off your credit report.

If you have charge offs and defaults on previous credit cards, I doubt that you would get a credit card unless you invested some money in it to get it. We do not do credit card applications here. You can surf around the site and see if anyone else had this or a similar question. There is one post on WAMU cards and there seem to be few people using it for rebuilding credit. So search the threads and see what you come up with. goodluck
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36452 Magic Points

 
Posted on Tue Dec 11, 2007 4:09 am  

To start with you can opt for the grocery store cards, gasoline cards. They will atleast help you start with some credit transactions. Keep it low but use it. Charge off drops off in 7 years so need not worry about that.
_________________
Regards,
Laura.
LCW

LCW

Joined: 10 Oct 2006
LCW's page
Posts: 2
Location: Chicagoland


102 Magic Points

 
Posted on Tue Dec 11, 2007 11:52 pm  

Hello everyone. My name Clay. I have been a member/moderator over at Debt Consolidation care for about a year and a half. My wife and I have been working really hard at getting our financial house in order. WE are finally at a point where we will be passing from "debt" (i.e collections, etc) to having debt on time, paying off and building savings.

I look forward to participating in the community!
_________________
Experience is something you don't get until just after you need it.
crackerjack



Joined: 03 Dec 2007
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Posts: 144



33 Magic Points

 
Posted on Wed Dec 12, 2007 12:34 am  

Welcome, I am sure your experiences will be of great help to people here, we need members and hope that you will stay and continue to add advice and guidance to those who need it. Welcome!
Laura

Laura

Joined: 21 Jun 2007
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Posts: 1327



36452 Magic Points

 
Posted on Wed Dec 12, 2007 5:04 am  

Welcome to the forum LCW. It is really great having you here. We hope to interact more in all the threads Smile
_________________
Regards,
Laura.
Richard
Moderator
Richard

Joined: 27 Jun 2006
Richard's page
Posts: 120



26040 Magic Points

 
Posted on Wed Dec 12, 2007 5:27 am  

Welcome LCW,

I am a moderator here on the forums. Hope to see you often here. Thanks for participating.
_________________
The more you learn the more you earn. Join our community and enhance your knowledge.
anthony

anthony

Joined: 31 Jul 2006
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Posts: 516



13609 Magic Points

 
Posted on Wed Dec 12, 2007 5:50 am  

Hi there,

Welcome to credit magic.
_________________
Anthony Marx

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



538 Magic Points

 
Posted on Thu Dec 13, 2007 12:28 am  

Hi LCW, glad to have you here on the credit forum, I bet you will be a great resource here for those just trying to rebuild credit, there are alot of questions. Welcome aboard, great to have you here.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
The Wild Norseman



Joined: 16 Dec 2007
TheWildNorseman's page
Posts: 7



476 Magic Points

 
Posted on Sun Dec 16, 2007 8:15 pm  

Hello, everyone. I posted more details of my history and background in the "Know Your Stuff About Collection!" thread. I hope to learn a lot from everyone here and maybe be useful to others.
crackerjack



Joined: 03 Dec 2007
crackerjack's page
Posts: 144



33 Magic Points

 
Posted on Mon Dec 17, 2007 3:46 am  

Welcome, I read your thread and feel for you, hopefully some of us here can give some advice and guidance, look forward to having you here and conversating with you, hang in there, it will all get better. Glad to hear that things are better for you healthwise and congrats on your engagement.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36452 Magic Points

 
Posted on Wed Dec 19, 2007 9:42 am  

Welcome welcome Norseman. Its great to have you here. Hope like us you will start enjoying the community as well. Smile
_________________
Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



538 Magic Points

 
Posted on Fri Dec 21, 2007 2:12 am  

Welcome Norseman, glad to have you have you here, I am sure you will find this forum informative, useful and fun. We have alot of good people here.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
Glynis Shaw
Guest






Subject: Hello All !
 
Posted on Mon Dec 31, 2007 11:11 pm  

A great big Hi to everyone. I live in Austin Tx and I work for a credit restoration company. I am not here to solicit just to pass on helpful information when I can and to learn from others here. You can never know too much.

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