Is my credit score too low to get a “bad credit” credit card?
Question:
I am the victim of fraud and have several inaccurate charges on my credit, which I am working to remove. It’s lowered my FICO score to 590…not so hot.
In the meantime, I am having a hard time getting credit. I’d like to get a new credit card, but it seems I’m having very bad luck.
Any thoughts?
Answer:
You should wait until your history and credit score is bad in order before you apply for a regular card.
Click here to get your free credit score (no memberships) so you can monitor how your score is doing. You can check it as often as you like without any fee, ever.
In the meantime, you can click here to get a secured credit card. There are no credit checks and anyone can apply. You’ll have to put some cash down to open the account, but payments work just like a real credit card and it gets reported to the 3 credit reporting agencies. A secured card will help you build a good history and FICO.
