Welcome to the Credit Talk Forum on Creditnet.com

Creditnet.com is dedicated to helping consumers build, maintain, or repair their credit.

The Credit Talk Forum is one the of the longest-running consumer credit forums on the internet. The mission of our forum has always been to provide a safe environment for consumers to ask for help and advice in understanding and improving their credit.

Since 1995, nearly 500,000 questions have been asked and answered on the Credit Talk Forum by over 30,000 members. Feel free to search and browse these posts, and when you're ready to ask your own questions, it's quick, easy, and free to register an account.

Testimonials

Huge success using info here - THANK YOU! ...want to thank all those that make this the best single source for credit repair information that exists anywhere.
- mrgreen
I just want to say thanks to everyone that contributes to [Creditnet]. I came here a couple months ago looking for answers to one issue, but have been able to take so much more than that from everyone. Your time, advice and expertise is appreciated!
- pyzemom

Recent Posts

To Pay or not to pay, That is the question.

Sat, 18 May 2013 19:07:23 GMT

I am sure this has been asked before, yet, I want to bring it to refresher. My past bills, some old, some REALLY OLD (Past point of limitations on...

PFD or FCRA violation letter?

Sat, 18 May 2013 00:39:29 GMT

DH has a medical debt on his report with Merchant's Association CA... It's only for $78. I think I have posted about this before when none of the CAs...

Secured Credit Cards

Secured credit cards require a deposit with the credit issuer, but they have higher approval rates and will report your payment history to the credit bureaus so you can begin rebuilding your credit scores.

Capital One® Secured Mastercard®

Ongoing APR
22.9% (V)
Setup Fee
$0.00
Reports to Major Credit Bureaus?
Yes

Capital One® Secured Mastercard® Highlights

  • Get the credit you need with no application or processing fees
  • Automatic reporting to the 3 major credit bureaus
  • Track credit with access to your credit score and other tools
Hide More Info
Learn More
Expert Rating: 4.80 / 5 stars

First Progress Platinum Prestige Secured MasterCard®

Ongoing APR
11.99%
Setup Fee
$0.00
Reports to Major Credit Bureaus?
Yes

First Progress Platinum Prestige Secured MasterCard® Highlights

  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
Hide More Info
Learn More
Expert Rating: 4.50 / 5 stars

First Progress Platinum Elite MasterCard® Secured Credit Card

Ongoing APR
19.99% Variable
Setup Fee
$0.00
Reports to Major Credit Bureaus?
Yes
Show More Info

Open Sky Secured Visa Credit Card

Ongoing APR
14.25%
Setup Fee
$0.00
Reports to Major Credit Bureaus?
Yes
Show More Info
Learn More
Expert Rating: 4.65 / 5 stars

First Progress Platinum Select MasterCard® Secured Credit Card

Ongoing APR
14.99%
Setup Fee
$0.00
Reports to Major Credit Bureaus?
No
Show More Info