How Can I Qualify for an Unsecured Credit Card?

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How Can I Qualify for an Unsecured Credit Card?
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• A lot of consumers today are aware that it is
  very difficult for consumers with bad or no
  credit history to qualify for an unsecured credit
  card. Still, there are tips that can help improve
  your chances of scoring an excellent card deal.
  To know more about them, we suggest that you read
  the remainder of this post.

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3 Tips for Unsecured Card Applicants
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Clean up your report.

• Some consumers think that their bad credit scores
  can only be attributed to their poor credit
  habits. However, you should not discount the fact
  that the errors in your credit report can also
  pull your rating down. In fact, they can drive
  away prospective card issuers and limit your
  chances of qualifying for an unsecured cards for
  bad credit program.
• This means that it is very important that you
  clean up your credit file before you shop and
  apply for credit cards. To do this, we suggest
  that you order copies of your credit report from
  the three major bureaus Equifax, Experian and
  TransUnion. You can submit your request by
  calling up the hotlines of the three credit
  bureaus, by sending it through registered mail,
  or by filing it in www.annualcreditreport.com
  the only accredited site used for distributing
  credit reports to consumers.

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• And as soon as you receive the documents, find
  time to examine them. In case you stumble upon
  outdated credit accounts, incorrect payment
  records, fraudulent charges and negative items
  that are past the statutes of limitations
  applicable to your state then, you have to
  dispute them, right away. Write and send a credit
  dispute letter to the firm that issued your
  report. After doing so, wait for the employees of
  the firm to investigate your claim. If they find
  out that your claim is valid then you will soon
  receive an updated report that you can use in
  applying for the unsecured credit cards for bad
  credit you wish to take out.

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Take out lines of credit from online issuers.

• It might not be wise to approach banks and credit
  card companies, especially if you have bad
  credit. After all, most of these organizations
  are hesitant to extend lines of credit to
  consumers with less than perfect credit standing.
  Instead, we recommend that you scout for online
  card issuers that can give you affordable credit
  card programs, regardless of your low credit
  score.
• Just make sure that you will only strike deals
  with legitimate and government-accredited
  issuers. By doing so, you can protect yourself
  from popular schemes and machinations used by
  scam artists to rip off consumers, like you.

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Apply for an unsecured credit card with your
credit union.

• If you are an active member of a credit union
  then why not approach the officials of your
  organization and ask for an unsecured card
  program? After all, your membership alone can
  ensure the approval of your credit card
  application no matter how low your credit score
  might be.
• Just be picky with the credit programs that will
  be offered to you. This way, you can improve your
  chances of getting a credit card that will
  perfectly suit your needs, spending habits and
  most importantly, your budget.