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Topic BAD CREDIT
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by IB On 03/10/2000
I have bad credit and need to repair it.
Basically I hurt myself bigtime when I was young and now that I am established I need to get a new credit card but am finding that impossible. What can I do?

by akv On 03/10/2000
I need to rebulid my credit. I have hurt it big time and I can't seem to get a second chance. What
can I do to get a credit card or are there credit
cards available for someone who needs to rebuild.
by colin On 03/10/2000
Depending on how "big time" you hurt your credit, you may want to look at the Futurecard Unsecured Visa or a secured product from Futurecard, Capital One,Chase or another issuer. Also, keep in mind that issuers are looking for stability. If you
have a stable permanent address, a checking and savings account, and a stable job you will be viewed more favorably by card issuers.
by IB On 03/10/2000
I saw your suggestion for "Futurecard Unsecured Visa or a secured product from Futurecard, Capital One".

When I checked it out, I saw that the total annual fees for the first year would be $193.00. Thats a lot of dough to spend on just setting up an account.

However, I am currently paying off a personal loan for a car. If this was not borrowed from a financial institution, is there a way I can have my payments reposrted to the credit bureau? I make monthly payments that I guess can be docummented with either returned checks or monthly statements.

by colin On 03/10/2000
Unfortunately, credit cards for individuals with credit problems are expensive. Regarding your question about the car loan, the finance company has the option to subscribe to a credit bureau. You should give them a call to see if they are reporting.
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