My credit score is 636.  It has improved since I paid off all bills.  What credit card can I get?
919161
First of all, that doesn't necessarily mean that you are declined.  I would hold off until getting that letter.  As for which card to get, I would say none.  Keep paying on that school loan and your credit will improve.  However, if you are set on getting a card, I would probably first check with my bank.  Most banks offer a credit card, not to be confused with the debit card of course.  I wouldn't recommend Discover personally.  Here are a few sites you can research your choice on...\nhttp://www.creditcards.com/index.php?a_aid=1001&a_cid=1000&a_did=1005\nhttp://www.cardratings.com/\n\nIf you are set on getting a card I would recommend getting one from a store that you like.   That way you won't be tempted to use it for just anything.
594249
Pay your bills on time.  Yes, it's obvious, but there are no hidden secrets to improving your credit score.
1186203
Go to your bank , get prepaid credit card of $250.00 or so and start building better credit.
799134
most major companies should such as visa or american express\n\nthey are good if you do not want a huge debt or for going to college\n\ni plan to get one soon, just go to a bank, and they will hook you up, credit score is not as important luckily.
1019781
My advice to you is to avoid going to a place that says that they'll loan you money regardless of your credit.  Otherwise you'll be paying more money in interest to them for a long time.  Do you own a house?  If you do, see about refinancing it or get a home-equity loan.  If you have bad credit, and don't have a house then you might do well getting a bill consolidation loan.  But be careful with what you get yourself into.  Shop around for a decent interest rate. \n\nWhy do you need to clear your debt "as soon as possible"?  If it's credit card debts look into transferring your debt to a credit card that has lower interest.  They will often have promos for 0% for the first 6 months.  Or sometimes 5% until it's paid off.
42721
Getting good credit is not an easy road. Whether you choose to get a Credit Card, A Store Revolving Credit Card, or even purchase a car, you've got to be very very disciplined. \nI suggest never purchasing anything with a credit card that you couldn't with your bank card. At the end of EVERY month, pay off the entire balance.\n\nDo not apply for many credit cards. Find the credit card with the best terms and interest rate, apply once, and watch it carefully. \n\nYou're Credit Score is determined by your credit limit, your credit/debt ratio, length of time of your credit history, payment history, credit inquiries, etc.\n\nI suggest checking your credit report for free. You can check it once per year per reporting agency. I suggest checking one agency every 4 months (=12 months). Checking your own credit report does not hurt your credit score. If you purchase a score with your report, usually they'll give you suggestions to improve your score.
26126
I think it helps to have two major credit cards.  Department store cards aren't as good to have.  Make sure you make all of your payments on time, and try to get a high credit limit so that you have a low percentage of balances compared to the amount of credit available to you.\n\nI use CreditInform, a service that reports my credit score to me 4 times a year.  It costs about $5.00 a month, and it tells you which factors are making your credit score higher or lower.\n\nGood luck with everything.  One final tip:  I pay my credit cards off (in full) every month, and don't allow myself to charge more than I have in savings/checking.  This has helped me stay out of debt, unlike so many of my friends.
1177350
In regards to Revolving Credit (Credit cards, etc.):\nPay down the balances to within 20-30% of your total credit limit. This should help to boost your scores. If you do not have the money to pay this down, call your credit card companies up and ask for a limit increase.. this will automatically allow your debt to limit percentage to lower.\n\nIn regards to Installment Loans: If you have ANY loans with high risk lenders (i.e. American General Finance, Well Fargo Finance or any other company with "Finance" in their name) pay them off quickly, or borrow from your local bank / credit union to pay them off if possible. Due to the risky nature of these lenders, the fact that you have this type of loan will hurt your scores. Paying them off will boost your scores.\n\nIn regards to credit mix:\nMake sure you have a balanced mix of types of credit... in other words, you should have 1-2 credit cards, 1-2 loans and possibly a mortgage. This shows good balance in credit and a healthy score should be given.\n\nOne last tip: Although they claim it does nothing to improve your score, mortgage lenders across the US have found that by requesting to Opt Out of the credit bureaus mailing lists (that they sell!) you may see a boost in scores in about 10 days... usually small, but it might push you over the goal you need. See the resources for the link.\n\nGood luck!
469943
The easiest card to get would be the one that is associated with your bank (i.e. BMO Mosaik, CIBC Visa e.t.c.). MBNA is probably the easiest one of all. To rebuild your credit try to pay off your credit card balance at the end of every month, if you can't pay all of your bills make sure you prioritize the credit cards, utility bills do not show up on your credit report until they are sent for collection which normally doesn't happen until your third notice.
42941
you could try closing all your credit cards now (unless youre getting good rates and deals) and opening 1 single new credit card, and buying stuf on it and paying it all off COMPLETELY. and it will raise your credit rating. pretty risky though.
812997
close all your accounts but one in case of an emergency.  Start paying off the highest intrest rate, and the cont. down the list. if you pay 100 a moth to card a add 50 bucks, when that is paid off take the 150 you were paying to card a, and card B's payment is 100 make it 250 and you will pay off stuff quicker.   \n\nWhat is most important is not adding debt to what you already have.   By paying stuff off will help your rating
429702
get a job, then try and get a store credit card - like from target or walmart.  if you purchase stuff on that and then pay it off on time, you'll establish good credit.  but be careful about just applying for tons of regular credit cards.  each time you apply, if you get rejected, it can damage your rating
338655
a dept store credit card that was my first one but then I found out I was being ripped off bcuz those have super high interest rates.  it's a good way to establish credit I guess just make a purchase every season and take the rest of the season to pay it off without defaulting it will show you're consistent and reliable.
942390
You sound in great shape.  Just make sure that you always pay your credit cards on time.  This is the most straightforward way to increase your credit over time.\n\nI heard from other people that seactivating your credit card can decrease your credit score.  Just don't use it instead of cancelling it/them.\n\n\nFor more info (under credit section):\nwww.freewebs.com/infosource100
676735
An average credit score is around 640 - 670.  The top of the scale is 850.  Anything over 700 is good.  Anything over 750 is exceptional.  Anything approaching or over 800 is outstanding.
840947
1. Making payments doesn't always raise your score.  If you pay it religiously it might go up but not much...it would have to be awhile.  Like a Credit Card, it should come off after 7 years.\n2.  Orchard Bank is a good one. I am using that one to repair my credit and they aren't outrageous at all.  Have had them over 2 years and they took off the annual fee for me because I never was late making a payment.  Repairing your credit score won't happen over night...takes alot of effort and patience!
1038911
After you paid off your debt, your credit score will eventually raise through time.  \nAlthough getting other credit cards and paying them off is a "trick" but your credit report will show that you have too many credit cards.  It is a trend that credit agencies see.  That's an old trick and the agencies will look for that.\nJust stick with paying off current debt.  That's your best move.  And resist getting more loans and credit.\nI once had bad credit.  One that I couldn't get any credit cards.  Nothing.  \nOnce I got married, I got rid of all my credit cards and paid off all outstanding debt.  We started new and kept up payments of home, car, etc. \nMy credit score eventually raised and now I'm an "average" rate.  I didn't do anything but continue a well-managed financial responsibility.  I raised from "risk" to "average" in 3 years.