Removing negative items from your credit report can help increase your scores, but if you do not have a good credit history, your scores will not be as high as they could be.
 
By obtaining a Secured Credit Card with one of the offers shown below, you can build your credit without incurring debt.
 

Carefully maintain your Secured Credit Card account by ALWAYS paying on-time and NEVER exceeding your limit.

We recommend the following offer:
 

Orchard Bank Secured MasterCard
  • Reports to all 3 credit bureaus monthly, which can help improve your credit score
  • Free Online 24-hour Account Access and Bill Pay
  • Complete your application, including your security deposit, online
  • Set your own credit limit
APR Intro APR Intro APR Period Annual Fee Grace Period Late Fee Overlimit Fee Credit Needed
15.90% N/A N/A $35 25 days $35 $29 Accepts All