I have bad credit with a very poor score, if I get a secured credit card will that help start boosting it up?

I have really learned my lesson all this damage was done when I turned 18 I went crazy but I have been suffuring the consequenses since then I am now 25 and know how important it is to have good credit I am trying to rebuild it now is getting a secured credit card helpful to me in having a revolving account does that really help?

Public Comments

1. If you pay off the balance every month, and pay on time, it will help your score.
2. yes it willl help if you pay off your bills on time; do not spend over your credit line and most importantly to make you payments on time Good Luck!!
3. If you still have any bills that are due, you start paying them NOW, and your credit will start to go up. I just turned 18, and I have 4 credit cards. Each for a different category of things I need. One Chase Credit Card, for my phone, gas, and electric bill. A wal-mart card for groceries. A Best Buy card for my laptop. And I have an American Eagle card, for when I need clothes. My combined payments add up to about 100 dollars at the end of the month, BUT, I bought things I needed, and I pay my bill on time. What you could do is apply for store cards, at places such as wal-mart, or somewhere similar, and buy things you need, such as groceries, and pay your bill each month, and you will see an increase in your credit. Bad credit isn't easy to repair, but it can be done, it's not impossible! Good luck!
4. The best way to repair your credit is to first work on paying off all your debts. If you still have defaulted/charged off credit cards, start paying those off. If all your old debts are paid, they will drop off of your credit record 7 years later. Once your debts are paid, establishing any sort of credit record (credit card, car loan, etc.) will help.
5. check out www.fastcreditcardapprovals.com and go under poor or no credit here you will find the right credit card for you and it will help you build credit but one you have used one of these cards for a few months apply for a better one with a lower interest rate, good luck