I had a 496 with transunion and 495 with Equifax. I was considering Bankruptcy or Debt settlement. Last year, my car got repossessed and needed a new car in the worst way. I had collections as well. A friend advised me to contact Computer warehouse group for credit help and I did. They cleaned up my entire credit, got rid of collections and raised my score to 792 within 2 weeks. I got a new car and also qualified for a business loan. I strongly recommend them for your credit repair process, here’s their contact: C O M P U T E R W A R E H O U S E G R O U P 1 at G M A I L d0t C O M.
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This card is great for those wanting to build credit. But be aware of the high APR and the monthly service fee along with the year fee. Keep control of the payments and do not go overboard otherwise those fees will catch up quickly. I had a card since 2014 to use as my emergency card for school fees and such and just now closed the account. They tried hard to keep me because of my on time payments. I told them wave my fees or lower my APR, they did not budge so I closed the account.