The Best Secured Credit Cards

These are 6 great secured credit cards for establishing or re-establishing credit (all cards report to the 3 credit bureaus). This list includes two cards by credit unions. A lot of credit unions offer great benefits to their members like no annual fees, low APR’s and more personalized service. If you have been denied by […]

PayPal Smart Connect Review

I applied for the Paypal Mastercard a few days ago, but was approved for the PayPal Smart Connect line of credit instead. My credit is not that great, but I’ve been able to gradually bring my scores up with the aid of two secured cards (CapOne and BOA). I’ve been approved for an Ally Auto […]

Bank of America Secured Credit Card Review – Credit Diary Part III

After my credit score had not improved in months, I realized that the only credit card on my report was not going to be enough. I needed a second credit card with a higher limit to help boost my scores. Since I was in the process of rebuilding, my chances of getting a prime unsecured […]

My Experience Settling a Credit Card Debt with Citibank: Paid, was a charge-off

If you are looking for information on how to settle a credit debt with Citi, then you are probably familiar with the following: “The above referenced account has placed with our company for collection. We’ve tried to reach you in an effort to discuss the account but have been unsuccessful in that effort. Your account […]

Capital One Secured Credit Card Review – Credit Diary Part II

Related Article: The Best Secured Credit Cards (2015) The following timeline documents my experience with the Capital One Secured Credit Card between 2011 and 2013. If you want to know why I chose this card, please read: “Repairing my Credit with a Secured Credit Card“. I decided to keep an online diary and record my […]

Repairing my Credit with a Secured Credit Card – Credit Diary Part I

Related Article: Capital One Secured Credit Card Review – Credit Diary Part II. After 10 years of using credit irresponsibly, I have finally decided to do something about it. The two credit cards I had were closed about a year ago by the issuing banks, and since then I haven’t even been able to get […]