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Added August 3, 2010 from: Mike Killian
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 Mike Killian
Answered By Mike Killian:
As you are probably very aware, financially mature consumers are even having difficulty with credit scores in the 700s. One idea you might try is go to CardRatings.com and look under the category "bad credit." This section gives you a few options if you have lower scores. But please be aware you will probably pay a high interest rate and possibly an annual fee.

Another option is to improve your credit score with a secured credit card by opening a savings account at a local branch of a major bank offering such a program. The benefit, besides use of a card, is that good payment history (not just late payment history) is reported to the credit bureaus on these secured cards. Over 33 percent of your score is based upon on-time payment history. This is the fastest way possible to raise your score. Some banks automatically convert your card to unsecured credit in a year or so, assuming you are always on time with your payments.

This question is about:  Credit Card Approval
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