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Natedawg14

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1 of the reasons i can't get a cr crd is my bad credit & no cking acct. Now what?
Recommendation was Cap 1, they turned me down.

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First of all, do NOT apply anything base on CK's "recommendation" or any other free sites for that matter.

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Two, open a checking account.

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Third, address what make your credit bad. Like, bring your late accounts to current, try to remove collections/judgements/liens from your report, see if your creditors willing do a "pay for delete" deal in writing, because, baddies arent going to be deleted from your report just because you pay them... If none of these work? Then you need time, baddies's impact will lessen over time.

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Lastly, try to get some positive accounts/payments history on your report, if you currently have credit accounts? Pay them on time, if you don't? then maybe open one or two secured credit cards. Not all secured card created equal, so do some reascrh on them and see which ones best suited for you. Secured loan will help as well, your local credit unions might able to help you out more than big banks.

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