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8 Ways to Add Good Credit to your Reports
by Lisa Phillips
updated July 1, 2010
by Lisa Phillips
updated July 1, 2010
Improve your credit scores by adding positive credit to your reports.
There is nothing worse than having nothing but negative credit on
your reports. Consumers with bad credit often only concentrate on
removing negative information while attempting to rebuild their credit.
There is nothing worse than having nothing but negative credit on
your reports. Consumers with bad credit often only concentrate on
removing negative information while attempting to rebuild their credit.
3. Orchard Bank® Visa® Card. The Orchard Bank® Visa® Credit Card can help you get your
credit back on track. We report monthly to all three major credit bureaus giving you the
opportunity to rebuild your credit with good payment behavior! Get pre-qualified in less than 1
minute!*
4. Get Secured Credit Cards for Rebuilding Credit. Consumers who may not be approved
for an unsecured credit card still have an excellent alternative in the form of secured credit cards.
Secured credit cards offer many of the same benefits as unsecured credit cards. Additionally,
you determine your own credit limit with the savings deposit used to secure your credit card.
The rules of having a secured credit are the same when it comes to credit scores. Your credit
card balance should always be kept to 30% or less of your available credit limit. This is very
important to raise and maintain your credit scores. Never use all of your available credit. Another
important action to take with a secured credit card is to make sure your payment history is
reported to all major credit bureaus.
5. A Public Savings Bank Classic Secured Visa® Credit Card helps build your credit history
at all the major credit bureaus – with no annual fee or monthly maintenance fees.
6. Get Secured Platinum Card. With the Platinum Zero(TM) Secured Visa® Credit Card from
Applied Bank® you will get a genuine Secured Visa Platinum Credit Card with 0% APR on
Purchases. Consumers are required to open an FDIC Insured Deposit Account that will equal
their Credit Limit. Deposits can range from $500 to $5,000.
7. The Applied Bank® Secured Visa® Credit Card is ideal for those with limited or poor credit
who may have difficulty in obtaining a standard unsecured credit card. As with all secured cards,
the available balance on the card for purchases must be secured through a bank account. Once
you are approved, your credit limit is equal to the amount you are allowed to deposit to this
account, which will be reviewed for increases periodically. You'll then be able to use the card
anywhere a traditional credit card is accepted. This card does not have application or
participation fees. However, unlike prepaid debit cards, you'll still have to pay interest if you
choose to carry a balance on this card, but the interest rate for purchases is reasonably low.
Various cardholder benefits are also provided.
8. New Credit Should be Reported to Major Credit Bureaus. The way your credit card is
reported is also important. The ideal scenario is to have the credit card issuer report the account
the same way as a non-secured credit card. Basically you do not want a notation on your reports
that the credit card is secured. The credit bureaus may ding your score if it sees "secured" credit
on your credit reports.
"additional information"
It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you
originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and
conditions which will be disclosed before your application is processed.
credit back on track. We report monthly to all three major credit bureaus giving you the
opportunity to rebuild your credit with good payment behavior! Get pre-qualified in less than 1
minute!*
4. Get Secured Credit Cards for Rebuilding Credit. Consumers who may not be approved
for an unsecured credit card still have an excellent alternative in the form of secured credit cards.
Secured credit cards offer many of the same benefits as unsecured credit cards. Additionally,
you determine your own credit limit with the savings deposit used to secure your credit card.
The rules of having a secured credit are the same when it comes to credit scores. Your credit
card balance should always be kept to 30% or less of your available credit limit. This is very
important to raise and maintain your credit scores. Never use all of your available credit. Another
important action to take with a secured credit card is to make sure your payment history is
reported to all major credit bureaus.
5. A Public Savings Bank Classic Secured Visa® Credit Card helps build your credit history
at all the major credit bureaus – with no annual fee or monthly maintenance fees.
6. Get Secured Platinum Card. With the Platinum Zero(TM) Secured Visa® Credit Card from
Applied Bank® you will get a genuine Secured Visa Platinum Credit Card with 0% APR on
Purchases. Consumers are required to open an FDIC Insured Deposit Account that will equal
their Credit Limit. Deposits can range from $500 to $5,000.
7. The Applied Bank® Secured Visa® Credit Card is ideal for those with limited or poor credit
who may have difficulty in obtaining a standard unsecured credit card. As with all secured cards,
the available balance on the card for purchases must be secured through a bank account. Once
you are approved, your credit limit is equal to the amount you are allowed to deposit to this
account, which will be reviewed for increases periodically. You'll then be able to use the card
anywhere a traditional credit card is accepted. This card does not have application or
participation fees. However, unlike prepaid debit cards, you'll still have to pay interest if you
choose to carry a balance on this card, but the interest rate for purchases is reasonably low.
Various cardholder benefits are also provided.
8. New Credit Should be Reported to Major Credit Bureaus. The way your credit card is
reported is also important. The ideal scenario is to have the credit card issuer report the account
the same way as a non-secured credit card. Basically you do not want a notation on your reports
that the credit card is secured. The credit bureaus may ding your score if it sees "secured" credit
on your credit reports.
"additional information"
It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you
originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and
conditions which will be disclosed before your application is processed.
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Adding positive credit is an
integral part in improving your
credit. As long as the total
balance on the new credit you
add is kept to less than 30% of
your available credit.
Using more than 30% of your
available credit may trigger
credit card companies, banks
and lenders to place you in a
high risk category. Below are
several ways to add good credit.
integral part in improving your
credit. As long as the total
balance on the new credit you
add is kept to less than 30% of
your available credit.
Using more than 30% of your
available credit may trigger
credit card companies, banks
and lenders to place you in a
high risk category. Below are
several ways to add good credit.
Since 2008, our economy has experienced a tightening of credit.
Lenders and banks have changed the qualifications for credit and it
has become much more difficult to qualify for credit. A good credit
score is now considered 700 and above. For consumers who have
less than perfect credit, establishing a good payment history while
using 30% or less of your available credit limit will improve scores.
2. Orchard Bank® Classic MasterCards. The Orchard Bank®
Classic MasterCards is an excellent credit card choice for people
looking to build their credit. Get prequalified online in just 30
seconds!*
Lenders and banks have changed the qualifications for credit and it
has become much more difficult to qualify for credit. A good credit
score is now considered 700 and above. For consumers who have
less than perfect credit, establishing a good payment history while
using 30% or less of your available credit limit will improve scores.
2. Orchard Bank® Classic MasterCards. The Orchard Bank®
Classic MasterCards is an excellent credit card choice for people
looking to build their credit. Get prequalified online in just 30
seconds!*
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