Getting Credit Cards For Poor Credit Rating

Getting credit cards for poor credit rating is difficult at best, but it can be done with a little work. Also, there may be ways to improve your credit score so that you can qualify for a regular credit card. In this article we’ll give you some ways to get credit cards for people with poor credit rating as well as how you can check your credit and what you can do to make your score higher and qualify for a credit card offered by your bank or other financial institution, as well as how to get financing for cash advances or other types of loans with poor credit rating.

Getting a credit card for poor credit rating is possible if your credit is borderline or if the bad credit on your credit report is a few years old. Check your credit report and find out how old the last activity date on the items are. If you have had any good credit history since then you may still qualify for a conventional card because sometimes companies do offer credit cards for poor credit ratings as long as the buyer has a decent income, a stable job and a stable address history. These factors can decide whether or not you can qualify for unsecured credit cards for bad credit.

If your credit is too bad then you may need to do some fixing before you can qualify for a credit card. Get a copy of your credit report and find any small debts that are less than a year old. If you can call the creditor with the money in hand you will very likely be able to negotiate a complete removal of the item from your credit report. Make sure that you get the promise in writing however, so that if they do forget or decide not to remove it, you can dispute the item and hopefully get it removed by the credit bureaus themselves.

Speaking of disputing, you can dispute any inaccurate information. You can dispute any item that is inaccurate, even if the amount is only off by pennies or the dates are wrong. You can dispute items on your credit report at any time for inaccurate information, incorrect amounts or dates, debts that are not yours or other reasons. What most people don’t know is that the credit bureaus are required by law to remove the information if they cannot verify it. The company that listed it must respond to their request to verify it within thirty days and if they can’t or won’t, the item must be removed from your credit report.

All you have to do to dispute the information is copy all of it from your credit report and send a letter to the credit bureaus that it is listed on, requesting that it be fixed, or in the case of a debt that isn’t yours, removed. Make sure that you send it certified mail so that you have a record of sending it, and can dispute it if it ever ends up on your report again in the future. If you can fix your credit report even a little bit you may be able to qualify for a conventional credit card.  If you have too much debt then you may have to go with another option, such as a secured credit card.