dwaindaddy asked: I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?

A A asked: I paid a service for my credit score but apparently b/c I didn’t buy the best package they show payment and history but not the actual score. What is the best most reliable and cheapest place to get my credit score? Also, what are some way to raise my credit score? Obviously [...]

sayyeahh asked: I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?

mommy’s princess due 8.8.09! asked: I’m young with no credit and no checking account. I’ve been looking online and have only come across debit cards or credit cards that require a checking account. Where and how can I get a CREDIT CARD w/ no credit and no checking account?

mrdeservn913 asked: I have no idea where to start to repair my credit. They are always offering free credit reports but I am leary of that. Could someone please tell me where to start?

Sara asked: I received a letter in the mail from Juniper (iTunes Rewards) stating that they have closed my credit card account due to inactivity. I opened the account about 18 months ago and have never actually used it. Can they close my account just like that without any warning? How should I handle the [...]

USuck79 asked: I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.

mkstar214 asked: I have paid for alllllll of my old collection accounts and I’m just waiting for them to drop off of my credit reports. I’ve been looking into credit repair service on line and wondering if they can actually help. All of the items on my reports are actually MINE and I did actually [...]

wrightemail256 asked: Can I start building my credit by paying for things with my bank card and telling them to charge it on credit? (I do not know much about how to build my credit so please help me!) Question: Best credit card to get to starting building credit and can I build my credit [...]

If you have less-than-perfect credit, you may find it hard to get approved for a regular credit card. You still have some credit options, however. One of these is the prepaid debit card. Following is information on how this type of card works, its advantages and disadvantages, and two to consider applying for. About Prepaid [...]