How can i rebuild my credit, when no one will approve me for a credit card?

I have my utilities which of course help, but i have heard a credit card is the best way to rebuild credit. But with my credit being not real good, no one will approve me for a credit card. I feel like i am chasing my tail in circles.|||Orchard Bank may be able to help, they have cards for people trying to build/rebuild credit. If all else fails, you may have to open a secured credit card. How it works is that you have to put a deposit upfront to get the same amount of the deposit in a line of credit. For example, you deposit $300, your credit line's $300. The deposit doesn't cover your minimum payment or what you charge on it. The credit line can be increased by adding to the deposit periodically. Usually after paying on time and not maxing out the card, the card converts to a regular credit card and the deposit is given back. Also, you can report paying your utilities and other monthly payments like cell phone, day care, rent etc that doesn't show on your regular credit report by enrolling with a credit bureau called PRBC. Utlity bills were never considered to be useful to build credit until now. I posted the link to Orchard Bank and PRBC. PRBC will definitely help you out, I strongly suggest you check out the website.|||http://www.orchardbank4u.com

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|||Try Orchard bank and make sure that your bills are paid on your credit report..|||1. Don't apply for any new cards for a while. Having too many people look into your credit brings down your scores (6 or more inquiries per year is the limit unless you are shopping for a mortgage).


2. Close some of the accounts if you have a lot (but not the old ones) since they help establish your credit history. Having too many accounts may hurt depending on what you are applying for (Mortgage)


3. Get balances down to 50% on all your accounts


4. Pay your bills on time and make more than the minimum payment required


5. MOST IMPORTANT: Pay off your current debts|||Ok you have a few options, but all are going to take time


1. Pay all your bills on time


2. If you have credit cards that are open do not close them, get the balances down to under 30% of the limit I say do not close them because a good part of your score is your debt, to credit ratio.


3. Do not keep applying for new cards each time an inquiry is made you lose approximately 5 point on you credit score.


4. If you have no cards see about a deposit card. You deposit lets say $500 for a credit card limit of $500. You still have to make ontime payments they are not taken out of your deposit. If you use the card insure you pay it off prior to the due date.


5 Stay away from Capital One the way they report your credit line actually harms you more than helps.


6. Keep paying your bills on time, as stated it takes time to build up your FICO score, as it grows getting credit will become easier.


7. If your parents have good credit they can add you to one of their cards, and they're payments will reflect on you. You do not have to use it just be piggy backed on it.|||Credit cards today are a real trap. Don't charge any more than you can pay off. The only real need for one is to rent a car, fly, or get a motel. Start by paying yourself first. 10% to you and another 10% to your church. (some one else said another 10% to charity) Live on the rest. Put part of your 10% in a Roth IRA and the other in an emergency fund. When you have 3 months expenses in the emergency fund, ask your bank for a credit card. By this time they want more of your money so they will be ready. Make sure to pay it off by the due date or your intererst rate will rise. If you have a car repair, pay for it on the card then transfer money from your account to the card before the due date


Good luck|||go to any bank and apply for a secured credit card. usually you'll have to give them a min of 300 to open it but this is a for sure way to start rebuilding credit.|||Try Orchard Bank or First Premier Bank, they are easy credit cards to get with poor credit.|||Have you tried Orchard Bank?





Also, STAY AWAY FROM FIRST PREMIER. They are worse than pond scum!!





Also, you can open a Crown Jewelers account. Everyone is approved and it will be a positive tradeline.





Last, visit my favorite website ever, www.creditboards.com/forums. They will provide you true, honest information!|||when you have bad credit, you can't be picky or choosy. I have both the First Premier and Orchard. They both serve their purpose in helping you rebuild your credit. But make sure you pay on time. Once your credit is good enough to qualify for a no annual fee card, then you can dump these high fee cards. Read more from: http://www.credit-card-forums.com/thread鈥?/a>