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s320

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how am i able to get a break from one credit card lender?

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Secured Credit Card maybe?

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I am assuming you are getting denied for credit cards. If that is the case, you may want to save up $500 (minimum), go to a bank and apply for a Secured Credit Card. By you puting up the $500, the bank will set up a credit card account with a $500 limit. They are okay with doing that because if you decide not to pay off you card somewhere in the future, they will just deduct from your initial deposit. The more you deposit for the secured card, the higher the limit and therefore can make you have a little easier time rebuilding your credit.

NOTE: If you have unpaid debt/collections, having a secured (or unsecured) credit card won't do you much good because you won't be able to improve your credit score very much until those old debts/collections are paid off and/or removed from your report.

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