Smart Moves for You to Qualify for Unsecured Credit Cards

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Smart Moves for You to Qualify for Unsecured
Credit Cards
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• Today, lets consider what bad credit consumers,
  like you, can do to qualify for affordable
  unsecured credit cards for bad credit.

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Look for a co-signer.

• Do you have a close friend or an immediate family
  member who has good- to-excellent credit
  standing? If you do, then you can always approach
  him or her and ask if he/she would like to
  co-sign your application for an unsecured credit
  card. Keep in mind that the high credit score of
  your prospective co-signer can help compensate
  for your less than perfect credit rating. In
  fact, it can help boost your chances of
  qualifying for the unsecured line of credit you
  wish to take out.

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• A gentle reminder, though. Being a co-signer
  entails a serious responsibility. For example,
  your card issuer will chase after your close
  friend or relative in case you default on your
  monthly bills. And thats not all. Your
  irresponsible credit habits can also inflict
  damage to their credit history. So, if you wish
  to help your friend or family member maintain
  their excellent credit standing then, you should
  resolve to stick, not just to the terms and
  conditions of your credit card program, but also
  to your payment schedule.

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Scout for issuers of bad credit-credit cards.

• Look for firms that cater exclusively to
  consumers with poor or no credit history. Always
  remember that with such firms, theres a greater
  chance that your request for a line of credit
  will receive approval.
• Still you have to look for legitimate companies
  that possess accreditation from the federal or
  state government. After all, by dealing ONLY with
  credible organizations, you can reduce your risk
  of getting ripped off by popular credit scams.

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Apply for credit cards, online.

• Dont limit your search for unsecured cards with
  nearby banks and card issuers. Instead, use the
  internet to locate firms that are willing to
  extend you a card account, despite your poor
  credit rating.
• Just make sure that you will only disclose
  personal details through secure websites and web
  pages. This way, you can avoid becoming a victim
  of credit fraud and identity theft.

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Clean up your annual credit report.

• Did you know that a poor credit score cannot only
  be attributed to poor credit habits? In fact,
  some consumers received bad credit rating because
  of the incorrect, outdated or unauthorized
  transactions found in their credit reports.
• This is the reason why we encourage you to obtain
  the latest copies of your credit report and check
  it for errors. Try to validate each entry on your
  credit file by using the receipts, proofs of
  payment and other financial records youve kept.
  And in case you stumble upon an error,
  immediately report and dispute it with the bureau
  that issued the document. In so doing, you can
  prevent such item from affecting your chances of
  qualifying for unsecured credit cards for bad
  credit.

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Sign up for credit repair.

• If all else fails then, it might be best to pay
  off your existing credit accounts first before
  applying for an unsecured card account. To
  succeed in this matter, you can seek advice from
  a finance expert who can help you find ways on
  how you can gradually pay off your debts. For
  sure, with the help of this professional you can
  rehabilitate your credit history and in time you
  can qualify and soon score an affordable credit
  card deal.