Almost every day I have an email or talk to someone about points and all the great deals that are out there and how they can not get them due to bad credit. Many many times it is not their fault. Things happen in life that are truly beyond our control. So what can be done to rebuild your credit so you too can enjoy all these deals? Look at this from the Orchard Bank site site:
“It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured or unsecured credit card which will be disclosed before your application is processed.”
Most understand that credit cards are only a small part of the total credit equation. Home, car and other loans are a large part of the mix. Making payments ON TIME is a HUGE part. Also making, yes making, the time to look at your credit score and record. You do NOT have to pay for this. You can get your credit score FREE right here . Also, each year you can request a full copy of your credit report from the 3 major credit agency’s. I suggest you space them out over the year that way you could get 3 a year for free. Here is the link for what I am talking about btw.
Once you have the report please look it over very carefully. If there is information that is wrong – FIX IT. Call and write to the agency’s and clear misinformation up and or fix what you need to fix to get your score up. As Rick always tells us, “your credit is one of your most import assents”! You will be surprised how fast your score can rise and you’ll be ready to play this crazy game we play. – René