to have home
Keep your credit balance below 30% of the limit
Try not to borrow more than you can pay back in a month
Be sure to pay your credit card bill early or on-time
your credit report and scores every 30 days
$25,000 of Identity Theft Insurance
A Secured credit card is a credit card that requires the borrower to secure the credit limit with their own money. That money is held in a savings account until you prove that you can use credit properly. You are securing the credit limit with collateral. For example, if you are approved for a secured card and most people are, you would put $200 into a savings account. That deposit of $200 becomes your credit limit! You would not be able to use the money to pay the bill but would receive it back after you prove you can handle the card.
Tradelines are great sources to help you thicken or lengthen your credit history so you can purchase a home. Or it can be used to give you the credit bump you need to get you qualified.
Fixing your credit can seem scary when you are going it alone. It's even worse when you are sued. Most states have a statue of limitation on the time they will allow a collector to collect on a debt.
If you have concerns over being sued or feel legal documents are hard to read than you need an attorney on you side.