In order to fix your credit fast, you must begin infusing positive information into your credit report that will offset past negatives such as bankruptcies, foreclosures and payment issues. A secured credit card is the easiest tool for developing a pattern of positive credit usage.
The best option is the Capital One Platinum Secured Credit Card. It doesn’t charge an annual fee, and it has the potential to be “partially secured,” providing a credit line as high as $200, for a deposit as low as $49 in some cases.
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