Bad Credit? Get Approved Now! Start rebuilding your credit with credit cards and personal loans designed specifically for people trying to rebuild and repair their credit!

Don't worry about your low credit score these cards will actually help boost your score.

Find a Credit Card for any credit score!

What's life without a credit card anyhow? Who can really conduct their daily tasks; such as paying bills or signing up for great services and products online without a credit or debit card? Not to mention shopping...im-pos-sible! We all use them, so why not use them to rebuild our credit, reduce our credit usage or just keep them around for emergencies. I'll explain further below; or if you already get it, just go ahead click the links and get started rebuilding and repairing your credit history now. Go to credit cards.com and check your credit report and score for free and based on your credit score, you will be shown the credit cards that you qualify regardless of your credit history.

Using credit cards to rebuild your credit. Revolving credit, which are major credit cards and retail cards, is the fastest way to rebuild your credit by showing creditors that you can responsibly use credit and repay it on time monthly.

Creditors want to see some activity and your ability to pay! Sure, after making some purchases, showing some activity, you should pay them off to zero balance if possible. .

This will help keep your usage grade in check. Developing good habits when it comes to how you handle revolving credit is so important, because it provides creditors with a clear picture of not . only how you pay your bills, but your spending habits as well.

Carrying high balances month after month and only paying the minimum due, does not display you in a positive light. It actually paints a picture that you are having some financial issues, relying on credit to pay your bills or you do not know how to responsibly use credit.

Making only the minimum payment will take years to pay off and you will end up paying a lot of interest month after month. Interest is charged based upon the amount of the balances you are carrying each month. You will also be viewed as high risk and will mostly likely not get approved for whatever it is you are applying for.

Installment Credit Installment credit is credit with a set amount of payments for a set amount of time. For example, installment loans are mortgages and auto loans. These type of accounts have predetermined amounts per month that you will pay over a predetermined amount of time. Unlike revolving credit, these amount and the time frame to pay them off does not change. You may have heard the term 90 days same as cash, meaning that you can pay the product off before the agreed upon timeframe or you can pay it off within 90 days and avoid paying any interest. . This is a great option if you can afford to do so. If not, the interest will kick in and you will start paying interest on your purchase.

You can always pay installment loans off earlier than the length of time agreed upon when you acquired the loan.

Check your credit often Free Credit Report & Score! Totally free No Credit card required. I cannot express enough the importance of checking your credit often. Not only for the purposes of checking for mistakes, but for those small bills we may have forgotten about; such as a $30 co-pay or a library fee. These accounts become collection accounts and most of the time get placed on our credit reports without our knowledge, because we simply forgot.

These minor mishaps then becomes major mishaps and could very easily cost you a 60-80 points drop in your credit score.

Any collection, no matter how small the amount, could be very damaging to your credit score. There's a lot of sites that offer free credit reports and scores. Credit.com also offer monitoring services that will help prevent fraud and identity theft.

.

knowing about it and paying it off could help raise your score again. However, it will still be listed as a paid collection on your credit report, which is still damaging, but less damaging than an unpaid collection.

Auto loan score option Most of us don't know that there's a totally different credit score used when applying for an auto loan. This score is your Auto Loan Score Option and it is used solely for the purpose of auto loans. ...Before you leave out of the door to go car shopping ...

Find out what your auto loan score Now! Be prepared not . shocked!

I was very upset when I checked my credit report and found 15 inquiries and I only filled out one loan application! Car lots will market your information to several lenders to find one that will work with your credit score.

If you already know your score, you can prevent all of the extra inquiries by letting the car salesman know you already know exactly what your credit score is so they can match you with one lender.

Myfico.com is the only site where you can check your auto loan score.

Fico Score vs. Vantage Score @NerdWallet.com does a great job of explaining the differences between the two scores. When you think of credit scores, you probably think of FICO scores — the ones produced and sold by Fair Isaac Corp. They’ve been around for decades, and they’re used in about 90% of loan decisions.

FICO scores had no real competition until 2006, when the . three major credit reporting bureaus — Experian, TransUnion and Equifax — jointly developed an algorithm to produce a new score. Initially, their VantageScore was on a different scale than FICO, but the most recent revision has a 300-850 scale, just like FICO’s.

. .

VantageScore has begun to get lenders’ attention, and it is widely offered to consumers for free. You can always Google a company to find out which scoring model or even which bank they use for financing their store cards /credit cards.