Quote:
Originally Posted by masumbuko
Thankx...
you sayin to only charge put to $30 each month?
i hear that i could use it but just try to keep the balance low. 30% of limit.
also i have closed accounts and accounts in collection...will paying my bills for my new credit cards help even though i have accounts in collections and closed accounts?
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If it were me, I would get on a tight budget, get a second job and make arrangements to pay the remaining debts as quickly as possible. After I would save as much money as possible. You can use your secured cards to about 50%, but pay in full each month.
Managing your money better will increase your score naturally. Do not look at credit as a must to survive. Having a high credit score and a lot of debt is not better than having a lower score with no debt and money in the bank.