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Score of 564, should i apply to a credit card?
my score is of 564 and dont know what to do to improve it, i had a debt but i paid if off a month ago and it stills doesnt improve. what credit card should i apply to? and if i should?
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katiaaragon1
1 year ago
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Paying off a debt doesn't help a credit score in most cases. It measures your history of maintaining your credit, and includes factors that benefit you for active accounts (e.g. actively paying on).
I do not know what the threshold for the Orchard Bank card that is offered through this site, but they are definitely one of the better unsecured ones for people rebuilding their credit.
But, it is likely that you will need to get a secured card to start building your credit, which means opening a savings account with that lender as collateral. I haven't looked too closely at who is better than the other when it comes to the secured card market.
phnxangell 1 year ago