Does getting a credit card with someone with good credit help you slowly rebuild bad credit?
464686
Try doing the opposite.  See if you can get someone with good credit to co-sign on your loan or credit card.  \n\nCo-signers usually do not benefit as much from a good credit history, but sure get in trouble if there is a missed payment or default.  It can ruin the co-signer's credit.\n\nIf you have a friend who will co-sign your card or loan, it will help you more.  I did that with a friend who filed for bankruptcy, and had a very difficult time getting credit.  They needed a credit card to reserve a hotel, buy plane tickets, or general emergencies.  I had super good credit, so the credit card company had no problem giving us a card.  It helped her pull out of bankruptcy.
810407
If you have bad credit get a Eufora Credit Builder Card. \n\nYou can apply here: http://www.goeufora.com/418121496892 \n\nIts $99 for a 24 month agreement for the Elite Level. \n\nIt reports to the credit bureaus that you have an open installment loan and is excellent for your credit. \n\nKeep in mind you can only spend what you load onto it, like a debit card, but it helps your credit!
58374
Good Credit is like trust. It can be lost in a flash but takes a long time to build.   If you have lost it you will need to buckle down for years and just be on time all the time and not rack up more debt in the place of the old.  Over time your score will improve.  \n\nIf you have screwed up your credit - the only thing you really can do is get everything back on track. Every bill paid, and stop being late. Then just keep on track for the rest of your life. \n\nover the years your credit will recover and then start to become better and better. The best thing for growing credit is time. So keep all your oldest cards and pay them off but DON'T close them. Keep them open because they are a record of how long you have had your credit. If you remain in good standing with a credit card company that you opened say when you were 20 - and then you have it till your 40 - you will have 20 years worth of history with them - that is a good thing!! even if you don't use it all the time. Just keep it open always.\nGood luck with it.
1091396
You can greatly improve your credit, yes. There is already a good answer on here for this, and remember: STAY DISCIPLINED!!!\n\nYou can do it!
99503
When you have better credit.
439422
The only credit card you will be able to get is a SECURED VISA or MASTERCARD. You will have to deposit about 500.00 in a savings account tied to that card. The card will have a 500.00 credit limit. YOU NEED to do this to start re-establishing credit. Handle the card very wisely...as in leave it at home. Purchase only a few things with it, make very regular payments monthly, NEVER be late with payment, and you will start to rebuild your credit....it will take a long time, but you must start now if you are ever to have a decent credit rating again. YOu need to learn to handle money...many of us have been where you are at...your credit can be fixed over time, but only if you set your mind to it and spend money wisely. This stuff does NOT grow on trees, and you cannot declare bankruptcy again...at least for a very long time. Think about what you did wrong to put you in this place and do just the opposite from now on...a lesson learned early in life will benefit you for all your years...perhaps it is a good thing, after all. Good Luck.
842982
You would only be responsible for the account you sign for as a co-signer.\n\nIs there any way, though, your friend could sign up for a "bad credit" credit card, which starts with some fees and low limit but which increases the limit regularly if the payments are made on time?  (Aspire and Imagine are two that automatically increase the limit.)\n\nOr else, could your friend sign up for a secured card (put money in up front and rebuild credit by using it properly)?\n\nNormally - and as far as I know - you would be added to the credit card account as a joint account-holder.  I think you should think a really long time before you do this because no matter how much your friend may plan to manage the card wisely things do go wrong - and you could end up with being responsible\n\nIf you do a search for secured, partially secured, or bad-credit/beginner credit cards you should come up with some people who may consider giving your friend a credit card as long as your friend as the income each card requires (which is pretty low - like $1000 a month or $1200 a month).  If he/she doesn't have that much each month the chances that a "mishap" will occur are high, so, again, you should think carefully about doing this.\n\nPeople with bad credit rebuild their credit all the time by themselves and without a "co-signer".
1114349
Bankruptcy can, and will, hurt your credit for 7-10 years (generally 10).  That being said, for some people, it does nothing at all, due to their FICO score being in the low 400's.  If you didn't get rid of any secured debt (car or home), the effect won't be felt "as" much.  You will be able to get a couple of higher interest credit cards rather quickly, which may be a good idea.  Get those check marks on your credit report.  Banks will not look at you for loans or credit cards, generally, for at least 2 years after discharge.\n\nIf you need a credit card to  help rebuild your credit, try www.householdbank.com, and www.orchardbank.com.  Also, try store charge cards, like walmart, or circuit city.  Don't go crazy with them, but use them with some wisdom, and MAKE your payments each month ON TIME.  After about 6 months, you WILL see a rise in your credit score.
831959
Repairing your credit takes time, patience and strategy.  6 months-1 year\nYou can do all the repairing yourself but sometimes when it gets to overwhelming, that’s when you should get professional help.\nIf you have any question, please e-mail me.\n\nGood Luck!
1003685
There is no way  around the bad credit.   Sounds like you will have to establish  the credit again.   Good luck though.
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.
200391
I'd suggest cleaning up your credit.  In loo of that you may need to open a joint checking account to get re-established.  This could be risky for the other person as you could very easily trash their credit if you make any mistakes with the account.
510092
I'm one of the investing financial advisors who you don't want to talk to yet.  But I've also done some credit work in the past, and I know who you are looking for.  Be very careful, because there are a lot of crooks out there who sell fake credit repair packages.  The best place for you to go is to a non-profit credit counseling organization.  They can help explain all the issues.  Sadly, there truly ISN'T a quick and easy repair that you can make, but there are steps you can take that will gradually improve your credit over time.  If you handle things right, once your bad times are far enough in the past, it will be like you never did anything wrong.
33893
I would personally stay away from any type of credit card with bad credit.  The credit card companies may qualify you but at a higher rate. The temptation may be there but the best plan of action is to either pay for the purchase up front.
587462
If you have bad credit, it's because you didn't pay money you owed in the past.  People don't want to lend money to someone who has shown they might not pay what they owe.\n\nBut you don't need perfect credit.  There are lots of places, with names like "family finance company" or some such, that specialize in lending money to people with not-so-good credit.  But there is a big catch--you will pay a very high interest rate if you go to one of those places.
982090
Yes, you can by  asking the credit bureau, the best thing is \napply for a credit card if they approved you it means you do have a good credit and if not it means you have a bad credit.
259603
there are many excellent credit counseling agencies.  I know this one helped a friend of mine.  She thinks they were great, and was able to manage her debt, and improve her credit rating within 5 years, and that was after nearly declaring bankruptcy.