What do you do if you have no debt and cant get credit from past bad credit? How do I repair?

I have no debt paid off all debt but I did have deliquent accounts so now I can't get credit on ANYTHING because of the past. How can I fix?

What do you do if you have no debt and cant get credit from past bad credit? How do I repair?
I had the exact same problem you had. Here's what I did:





If (and it's a pretty big if) you can get $500, then find a Credit Union or bank that offeres something called a "Secured Visa". I really wouldn't suggest looking on line because someone may try to rip you off. Just look locally at larger banks or Credit Unions. Then you open an account with them, deposit the $500 and they send you a Visa card with a $500 limit. The idea is that if you charge and don't pay, they simply take the money from your account.





From there, charge a small amount per month (like $20.00) and pay it right away. From there, your credit will build and you will soon get offers from other card companies. After a year, you can get an Unsecured card with double the credit limit. Just stay within your limits and you'll be fine.





Best of luck!


Dave
Reply:Here is where I started to repair my bad credit from a bad divorce. and it brought my credit score up alot!





www.firstpremierbankcards.com





This will help ya out. Yes there's fees to pay with the credit card, but its WELL worth fixing your credit.
Reply:pay your debt and get a credit card from orchard bank and they work with people that have poor credit..
Reply:You might want to begin with a secured credit card. Also google who gave me credit and this site will basically tell you which credit card companies will give you credit with having a particular credit score.





My favorite site is myfico.com