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Since those parts were covered. A simple way to help boost your score a bit faster than a secured card is by using your local bank or credit union. You will need a bit of cash, I personally would go for anywhere between 5 and 10k worth. Do not fret it will be available again in moments. Then talk to your bank and tell them you want to open a secured line of credit backed a CD. What they have you do is deposit that cash, which is then put into an interest bearing CD. They then use that CD as collateral and instantly give you a secured line of credit for the same amount that you deposited. Now just proceed to use as much of it as you need to (though I say only use up to 25% of it at any one time) and make your payments back to the bank. Of course pay back way more than the minimum amount due, yet just keep floating a small amount at a minimum.
Assuming you never pay late this will start to put on time payments on your credit score every month and for as long as you keep this line of credit open. It will also show an available credit balance that is as much as you deposited which is often a shit load more than any secured card will be giving you. Lastly is even if the bank wants to anal rape you on the interest rate which is off set some by the CD interest rate, it still will be greatly lower than any secured credit card rate.
Now lenders do want to see more available credit than credit in use. That is why I say do not use more than 25% of it at any one time. So if you could deposit 10k, and did use 2,500.00 it still would show 7,500.00 of available credit on your report with just the 2,500.00 in use. That alone helps boost the FICO score.
Keep this up with your bank for a bit and specially if its a more local style bank or credit union where they actually have customer service and know their customers. They will soon get you hooked up with one of their own cards or lines of credit without it being secured.
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