Credit advise for you Sandra

Franty Cleophat - February 3 2007, 11:41 PM

I would not continue to apply for credit from a department store.

Most department store will pull your history and they will want a score of at least 600 and up in order to get it. At the same time by applying at different places, it will hurt you chances to get a card or loan because too many inquires will occur on your credit.

Here is my advise to you. If you have about $200-300 dollars that you are not using or on your checking account(debit Card).

Go to Bank of America and tell them that you want to build your credit and you want to open up a credit account that will help you restore your credit.

They will know what you are talking about.

Also apply at or Their interest rates are high but your crdit will improve if you pay your bills on time. Remember although it is your money you still have to pay it back that is the only way they can help you build your credit.

ONE IMPORTANT NOTE: don ever max your card and charge no more than 35 to 40 percent of your credit limit and that is for all your credit cards.

If you need more advise you can reach me at

I hope that I answered some of your questions.

Franty Cleophat

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