Restoring BAD Credit...
My credit wasn't great to begin with but took a good beating after my divorce with some medical bills and such... So it's really bad now...I've avoided credit cards and loans and such for this reason... BUT.. am starting to see the need for them simply to help my credit out.. Just because there's nothing on my history doesn't make it good..
I opened a secure card to help boost it..
ANY other tricks anyone knows???
I realized that I stopped having ANY credit.. None and that's almost worse than having bad credit..
SO.. I looked and opened a secured card.. I put $300 on a card and that's my limit.. and I need to use it and then pay it off every month and that will slowly build my credit and then they may extend a limit.. This is only to build credit... after a few months Ill do another one and then they can see some history..
I HATE credit cards.. I know that having one or two would be nice for anything that comes up with the car or to book a trip, but dealing with my cash only.. what I actually HAVE has saved my tush and put me in a good place with NO debt.. Zero.. Anywhere.. So, it's time.. If I ever want o buy a house or anything..