What are some good credit cards for credit repair that AREN'T scams?
115857
First all, if you're trying to repair your credit, the APR shouldn't matter because if you're really committed you will pay off all bills in full every month!\n\nTry the credit cards offered by your bank first. Banks have a soft-spot for their customers and that can be a positive factor in their credit approval.\n\nNext, look at cards offered by Chase, CapitalOne or Citibank.  These are reputable company.\n\nOrchard Bank should never be a choice if you're building credit. In my opinion, their lending practices border on predatory. Fees are outrageous, and they are not very good at disclosing hidden ones.\n\nIf your credit is as bad as your say, be prepared.  \n    You may be denied.   \n    You may be offered a secured credit card.\n    You may be offered a credit card with a higher rate.  \n\nIf you're denied for credit, don't keep trying. Wait for at least 6 months before you try again. When you apply for a credit card, the lender will get your credit report. The more you apply for credit, the lower your score can get and less like you are to be approved for credit.\n\nVicious cycle, right?\n\nIf the credit card has a high APR, consider accepting the card.  The high APR will only affect you if you carry a balance at the end of each statement cycle.  BUT pay off everything when the bill comes. \n\nIf you do this, you won't see your credit improve right away.  It may takes anywhere from 1-7 years to repair your credit.\n\nIf you were offered a secured credit card, think twice. Lenders don't just look at your credit score or whether you have a good repayment history. They also look at the type of credit lines you have.
1168771
this might help..\nhttp://www.cardratings.com/lowrateplatinumcreditcards.html\nhttp://www.creditcards.com/
475111
Sure if you want to be raped. If you're trying to fix your credit, start with a secured credit card. You know, one that requires 75 to a hundred dollars per year to have and has bad intrest, but don't use if for more than 50 dollars at a time and never make a late payment. After a year or two, ditch it for a better card with no yearly fee. This is a leg up to a better credit score.
823683
I just got this sham deal in the mail today.Outrageous APR for starters.I've never even heard of this company before today.If you want a GREAT card for lesser credit,then you NEED the Orchard Bank card.I've had a few cards of this sort and Orchard destroys the rest for rates,customer service and 2% cash back.\nYou can apply right on the Yahoo! home page.It's the good card for ugly credit.It's always there.\nGo to www.ripoffreport.com and look up applied card bank.Thecardiwant may be there as well,but applied card bank is definitely there.\nOrchard has files there too,but that was from before HSBC owned them.Orchard is by far your best choice if you have limited credit.Stay away from Imagine or Aspire.First Premier isn't terrible,but the customer service really stinks.
763544
Credit repair services are a hoax.  Avoid them.\n\nCredit counseling services, however, aren't about your FICO, but about debt reduction. Some of these have a bad reputation, too, so only use them as a last resort and read all of the fine print.\n\nThe only way to improve your credit is to start rebuilding it over time. Get a low-fee secured credit card. Pay it off monthly, and let time heal your credit.
825829
My first secure card was with Bank of America. But you may check this link\nhttp://www.badcreditoffers.com/creditcards/
706987
You can do it yourself or you can pay someone to do it for you. \n\nHere is a good free kit to do it yourself: http://www.expert-credit-advice.com/free_credit_repair.htm\n\nHere is a good company to do it for you: http://www.expert-credit-advice.com/credit_repair_service.htm\n\nAnd if you are one of the skeptics that has said it cant be done because your credit is messed up and you have given up, read this page: might change your perspective: http://www.expert-credit-advice.com/credit_bureaus_credit_repair.htm
1052309
Try Chase. Or capital one. They both gave me credit cards when I had no credit. Then just use them and pay more than the minimum payment (or pay all of it) and it will help establish your credit. You may also think about asking your financial institution. They may have ways to help you as well.
925216
That’s great that you atempted to repair your credit yourself before you decided to pay someone. \n\nNow that you know how aggravating the credit bureaus are to deal with, you need to find a legitimate company. Let me tell you; they are far and few between. I tried to repair my credit myself and gave up. Then I hired a company in California called a “Fresh Start” they charged me $695 and stole my money. I never heard back from them. It turns out it was a complete scam. \n\nStill very serious and skeptical about repairing my credit, the 2nd time around, I researched quite a few different companies. I finally decided on a company in Florida called Credit Network. They are a smaller company and they really know what they are doing. They also didn’t charge anything upfront except for a small setup fee, after that they charge $49 mo, after the work is performed for the previous month. When I started I had 73 negative items between all 3 bureaus! That was about 8 months ago, and they have deleted all but 17 bad items. They were realistic when they said it could take over a year, buts that’s fine with me, because they followed through on what they said.     \n\nSomething very important….. The bad debts that you say you owe; you need to pay them off. I don’t care if you settle them or pay them in full, eventually you need to pay them off because if you don’t, there is a very good possibility they will pop back up on your credit after you delete them. I was told that debts get sold and resold, even after the statute of limitations. So if you are as serious as you sound about repairing your credit, you have to pay them off!! \n\nOh yeah, here is the link to them http://www.expert-credit-advice.com/credit_repair_service.htm
417568
Why dont you try getting a Visa Debit Card from your bank.\nIt's like a Visa card but you only spend what you have in your checking account. \n\nYou need to really build your credit back up so maybe get a secure credit card and work your way up to unsecured.\n\nBelow is a website that can give tips on how to fix your credit.  Good Luck
189607
Might want to try checking your SPAM inbox.  We seem to get tons of these emails of companies that will help rebuild bad or no credit w/a credit card.
458229
Any credit card that has a low FIXED interest rate such as Prime +2.5% and no annual fee. I do not recommend American Express and Discover just because they have limited usage. VISA and MASTERCARD are accepted everywhere in the world and have friendly programs and rules. The best to get a credit card is through a credit union. Moreover, if you are looking to build credit, you have to get a secured credit card/loan and might need to pay a yearly fee but just for 6 months. After that you can apply for any card you want but be conservative. The less cards you have the better your credit will be - providing you have a line open. Hope this suffice.
766636
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
848938
Washington Mutual.  Online they offer a free checking account and a free savings account that pays 5% interest.  Their debit card earns rewards, though not as juicy as many credit cards offer.\n\nhttp://www.wamu.com
874092
Never heard of them, but i have used a debt settlement company that did a good job. \n\nhttp://www.expert-credit-advice.com/ \n\nYou may want to research whatever companies you are considering by checking out the bbb http://bbb.com/ \n\nAlso the state attorney general.
1086341
Credit counselors are great and they are free. There are millions online, but be careful to do a background check on them. My parents used Genisis.
178538
Andy is absolutely correct.\n\nCredit repair companies are a scam.  They are charging you to do work that you are capible of doing yourself.  \n\nThe problem is most consumers don't know what to do. They don't know the laws, or the procedures in how to deal with credit agencies.\n\nBelow are some of the best links I have come across.   Read up, and if you need further advice contact me.