My Experience: Finance
Degree, 6 years loans officer at a national bank, 4 1/2
years credit bureau manager for one of the big three credit
bureau's
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“Follow the advice, In this package and your credit will soar.”
-Brian Wesley, Texas
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Credit
Cards
Sometimes getting a credit card can help
your credit score. Here is how
35% of your Fico Score is based on
your debt to credit ratio. Mainly Credit Cards.
Example:
If you have a credit card with a
$2000 limit and you owe $1600 your debt to credit ratio is very poor.
Your Percentage of credit owed to available credit is
80%. To the credit bureaus, you look like you are in a bad credit
situation. Your score will reflect this, as 35% of your score deals
with your debt to credit ratio.
Now, if you applied for one of
these very easy to get credit cards for $3000 and got approved, your
credit to debt ratio would increase significantly.
Now you have $5000 in credit and owe $1600. Your debt to
credit ratio is now 32%.
Now remember 35% of your score
is based on debt to credit ratio. So your Fico score would jump up a
significant amount. This can also be done by raising the limits on your
existing cards.
PS: Don't worry about the
inquiry on your credit report. Inquires are such a small percentage of
your credit report.
Here are the easiest cards to get with bad credit:
THESE ARE CARDS DESIGNED FOR PEOPLE
WITH LESS THAN PERFECT & EVEN BAD CREDIT SO DON'T THINK YOU WILL GET
TURNED DOWN.
 
online application |
- 0% Introductory APR for 6 months on purchases and balance
transfers, for qualified applicants*
- Acceptance at millions of locations worldwide, including
website purchases and reservations
- Your account information is updated and at your fingertips
24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming
payment due date with online enrollment
Apply
Today! |
Intro APR
|
Intro Period
|
Annual Fee
|
Setup Fee
|
APR
|
Credit Required |
|
N/A |
6 months |
$0 -
$79 |
$0 |
7.90%
- 15.99% |
Very Bad Credit OK |
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|
online application |
- No CREDIT CHECK
- Approved REGARDLESS OF CREDIT HISTORY
- Credit Limits UP TO $10,000*
- Reports to ALL 3 BUREAUS
- Get CASH AT OVER 740,000 ATMs
- Emergency CASH TRANSFERS
- Auto RENTAL INSURANCE
- $100,000 TRAVEL ACCIDENT INSURANCE
- Extended WARRANTY PROTECTION
- Special HIGH INTRODUCTORY SAVINGS RATE
Apply Now! |
Intro APR
|
Intro Period
|
Annual Fee
|
Setup Fee
|
APR
|
Credit Required |
|
N/A |
N/A |
$59 |
$99.95 |
19.5% |
Very Bad Credit OK |
|
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online application |
- 9.99 Low fixed APR - rate won't change even if you are
late!
- Choose your credit limit up to $5000*
- No credit requirements and no income requirements
- Credit Bureau reporting.
Apply
Today! |
Intro APR
|
Intro Period
|
Annual Fee
|
Setup Fee
|
APR
|
Credit Required |
|
N/A |
N/A |
$50 |
$0 |
9.99% |
Very Bad Credit OK |
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online application
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| Apply now for the most exciting Pre-paid card
in the industry, the Eufora Card. Bad Credit, No Credit, No
Problem. The Eufora Pre-paid MasterCard with Credit Builder can
help you build or rebuild your credit. Eufora Cardholders also
have the opportunity to be automatically entered into a MONTHLY
new car sweepstakes.
Click here to apply now.
•BUILDS CREDIT! Reports to Credit
Bureaus
•100% Guaranteed Approval* with No Credit Check - Perfect for
Bad Credit or No Credit
•FREE Direct Deposit
•FREE Point of Sale Transactions
•FREE 24/7 Online Access
•FREE Live Customer Support
•Reload at Thousands of Retail Locations Nationwide with a $5000
Maximum Value
•Safer than Cash
•Cash Reward Program
•ZERO UP FRONT ($99.95 Advanced Deposit WAIVED)
Apply Today! |
Intro APR
|
Intro Period
|
Annual Fee
|
Setup Fee
|
APR
|
Credit Required |
|
N/A |
N/A |
$99.95 |
$0 |
9.9% |
Bad Credit OK |
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online application
|
- Credit-On Demand™: up to $25,000 credit line—Patent
Pending
- Instant Approval: no credit check, no minimum income or
bank account required
- Credit Reporting: reports to major credit bureaus
- Clear Rewards™: American Airlines, Southwest, jetBlue,
Marriot, and more…no restrictions!
- Powerful Account Features: direct deposit, bill pay, free
alerts, add cash instantly at 100,000 retail locations
nationwide
Apply Now!
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Intro APR
|
Intro Period
|
Annual Fee
|
Setup Fee
|
APR
|
Credit Required |
|
N/A |
N/A |
N/A |
$29.95 |
14.9% |
Bad Credit OK |
|
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online application
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- New Card for Convenient Tap-n-Pay Purchases at Merchants
Nationwide
- No Bounced Check, NSF and Overdraft Charges EVER!
- FREE Rewards Program - Earn 1 point for every $1 spent,
redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
- FREE Bill Pay Service - Pay Anyone Online or Over the
Phone
- FREE Credit Builder with Overdraft Protection
- FREE Mobile & Email Alerts
- FREE Direct Deposit - Eliminate Check Cashing Fees
- Add Cash Instantly at 100,000 Retail Locations Nationwide
Apply Now!
|
Intro APR
|
Intro Period
|
Annual Fee
|
Setup Fee
|
APR
|
Credit Required |
|
N/A |
N/A |
N/A |
$0 |
N/A |
Bad Credit OK |
|
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online application |
- NOW WITH CREDIT BUILDER – FOR FREE!
- ALWAYS GREAT CUSTOMER SERVICE!
- 100% Guaranteed Approval* - No Credit Checks
- No Overdraft Fees or Balance Minimums
- FREE Unlimited Purchase Transactions
- FREE Direct Deposit
- FREE Online Bill Payment & Check Writing
- Reloadable up to $10,000 Max Balance
- Choose Your Card Color - Blue, Black or Pink!
Apply Now!
*see website for terms and conditions |
Intro APR
|
Intro Period
|
Annual Fee
|
Setup Fee
|
APR
|
Credit Required |
|
N/A |
N/A |
N/A |
N/A |
0% |
Bad Credit OK |
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These
cards will report to the bureaus to help your credit report and scores.
These cards are easy to get.
THESE ARE CARDS DESIGNED FOR PEOPLE
WITH BAD CREDIT SO DON'T THINK YOU WILL GET TURNED DOWN.
STEP#2:
Erase and Repair Your Bad Credit.
Build
Lasting Good Credit.
CLICK HERE TO START NOW!
I Want to tell you
a Little Secret on How to
Make Lots of Money From Home With Something Like This?
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