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IanGrimmy

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i have a 554 credit score and cant get approved for secured credit card, what do i do?
my credit score is really bad (554) and i cant get anything to help rebuild it, secured cards, auto loans, ect....

the only thing showing on my report is medical bills from 2011 that ive contacted the companies about but nobody has record of it....

what do i do?

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Contact a local credit union and ask them about a "credit builder loan".  Credit unions are usually easier to work with than big banks.  Also, if you have a relative with good credit (and who trusts you), then ask them to put you on one of their credit cards (the oldest open card they have) as an "authorized user".  The don't need to give you the card number or anything, so you can't charge on it if they are worried about that.  But their credit line will show up on your report, giving your score a huge boost.  Be aware that you have to prove some type of relationship, such as marriage or blood line; this won't work with a friend's card (used to, but they changed the rules).  I also recommend you visit www.credit.about.com and ready some of the great articles that apply to your situation.  Best of luck!

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