Ways to Add Good Credit to your Reports
by Lisa Phillips
updated July 1, 2010
3. Get Secured Credit Cards for Rebuilding Credit.

Consumers who may not be approved for an unsecured credit card still have an excellent
alternative in the form of secured credit cards. Secured credit cards offer many of the same
benefits as unsecured credit cards. Additionally, you determine your own credit limit with the
savings deposit used to secure your credit card. The rules of  having a secured credit are the
same when it comes to credit scores. Your credit card balance should always be kept to 30% or
less of your available credit limit. A Public Savings Bank Classic Secured Visa® Credit Card
helps build your credit history at all the major credit bureaus – with no annual fee or monthly
maintenance fees.

4. Get a Secured Platinum Card.

With the Platinum Zero® Secured Visa® Credit Card from Applied Bank® you will get a
genuine Secured Visa Platinum Credit Card with 0% APR on Purchases. Consumers are required
to open an FDIC Insured Deposit Account that will equal their Credit Limit. Deposits can range
from $500 to $5,000.

5. Apply for Fingerhut Credit today.

Fill out their easy online application. This credit card is unsecured and you can shop a huge
selection of brand name products. Low monthly payments.*
*If you apply and are accepted for a Fingerhut Credit Account issued by MetaBank, who determines eligibility
and qualifications for the terms of credit.

6. New Credit Should be Reported to Major Credit Bureaus.
The way your credit card is reported is also important. The ideal scenario is to have the credit
card issuer report the account the same way as a non-secured credit card. Get your Credit  
Report and Score from CreditReport.com - fast and easy!

"additional information"
It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you
originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and
conditions which will be disclosed before your application is processed.
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Improve your credit scores by adding positive
credit to your reports. There is nothing worse
than having nothing but negative credit on your
reports. Consumers with bad credit often only
concentrate on removing negative information
while attempting to rebuild their credit.

Adding positive credit is an integral part in
improving your credit. As long as the total
balance on the new credit you add is kept to less
than 30% of your available credit. Utilizing more
than 30% of the available credit causes your
credit score to decrease. Credit scores calculate
your utilization of available credit.
credit cards for bad credit
1. Orchard Bank® Classic MasterCards.

The Orchard Bank® Classic MasterCards is an
excellent credit card choice for people looking to
build their credit. Get prequalified online in just 30
seconds!*

2. Orchard Bank® Visa® Card.

The Orchard Bank® Visa® Credit Card can help
you get your credit back on track. They report
monthly to all three major credit bureaus giving you
the opportunity to rebuild your credit with good
payment behavior! Get pre-qualified in less than 1
minute!*
In fact, an entire 30% of your credit score calculates the amount of debt owed and how much
credit you have available to use. Even if you do not carry a balance, the credit reporting
agencies use the closing balance on your statement, regardless of whether your pay the
account in full in that same period. Learn about the below credit cards to help rebuild credit.