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Short List of Sub-prime Merchandise Cards

As we have reported here before, Sub-prime merchandise cards can be an effective way to begin to rebuild credit. Most do not require credit checks and the majority of them report to the credit bureaus.

However, do your homework and make sure that they report to the credit bureaus, be aware of how much or how often you need to use your new sub-prime merchandise cards—because these types of cards are notorious for closing your account if you are not making purchases—and make sure that the card that you are thinking about getting will meet your needs.

A better approach may be to obtain a secured credit card, wich you can use with any vendor. Here are a few to choose from on our secured credit card page.

Side note: If you are looking to increase your credit score, you can start off by checking your free credit score through Credit Sesame. They provide free credit scores so that you can see what areas you should be working on. Yes, it is actually free!

If you are interested in credit repair, there are professionals out there who will work towards improving your credit so that you can get approved for loans, receive lower interest rates (and save thousands of dollars), and more. CreditRepair.com will help you create a game plan to improve your credit score, they will contact credit companies directly on their own, they will communicate with the credit bureaus to work towards making a change, and they provide an online dashboard that will help you monitor everything that is going on. It is all very affordable and will most likely save you thousands in interest fees and late charges.

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