Wanted: A Good No-fee Secure Credit Card that Reports to Credit Agencies?

I seriously doubt that you'll find a no-fee secured card.

You might check the credit card section of this site and see if you can find anything.

 

You'd honestly be better off asking a friend or relative to add you to an older credit card as an authorized user. This would far improve your score over opening a brand new account with only a $1,500.00 limit. In fact, doing so may actually decrease your credit score insofar as the account would shorten your history overall.

If the above isn't feasible, there are corporations such as Apex Credit Services, LLC, which offers this service. Be careful who you go with if indeed you do opt for such a service. I can tell you now that even a 10 year old line with a 18k limit would be far cheaper than opening a secured account.

 

is creditnet the craigslist for aged tradelines? how about a little integrity?

 

Yes Shawnee how about intergrity,and what is your question about secured cards.And aged tradelines,we would be more than welcome to help you with your problems.

 

I'll move on to a different forum that doesn't have a hidden agenda. One that has some oversight and that can be trusted.

 

As your bankruptcy ages it will be easier to get credit piggybacking will make it quicker but you can do better in a year than your are now,with an older history its a quicker short time fix.Only time will get you a high fico score.

 

They are allowing someone to advertise and promote the purchase of aged tradelines here. This practice is unheard of on forums that are actually created to help consumers. It appears the forum is simply a storefront to sell dubious credit products.

 

When you say hidden agenda what do you mean?Because other forums talk about piggy banking and other products that you say are dubious.And in there headers they also front the same products that are here.

 

Seems to me if you have a problem with the content of a post, you should inform the moderator.

If you have a problem with the site, you should go to another site.

If, on the other hand, you have some ax to grind, then you should bump all the old posts you can dig up and start slinging mud.

Do what you need to do.

 

Well good bye and good luck. You definitely missed the boat on this... Woofer

 

Well, Apex, I'm counting on you to tell me the right answer to a question I have which came to mind as a result of your post above.

You say that an AU arrangement would be better than using a secured card to establish credit. I'm not about to dispute that statement but what about using the secured card(s) to help establish credit for a brand new corporation where the owner doesn't want to get his personal credit involved. In fact, the owner would rather do without credit than to put up any personal guarantees whatever. Speed isn't the consideration here as the corporation has more than sufficient operating capital for what it was formed to do. So what would be the better of the two avenues of approach in the above given situation? AU or secured card?

 

Secured card. No question about it.

However, I don't know if their are secured business cards.

Also, thanks for the backup guys. Seems another troll is leaving. An aside, we also post on infinitecredit and all experts. They have no issue with it b/c the overwhelming amount of our posts do not elude to our services per se. This post did thus, we mentioned our services.

To the OP, yes, the AU route is expotentially quicker insofar as we can add age, payment history, and large sums of avaliable credit in a very short length of time (typically 30 to 45 days). You cannot acheive this with a secured card.

 

Thanks for your quick reply. Your answer is about what I suspected it would be but I'd rather have your opinion than my guesswork on that subject.

 

No, it wouldn't effect her credit in the least.

Cap, tell me what you want me to expound upon and I will. Keep in my that my purview of business credit is that it is largely a scam. That is too say on needs a good personal score/report to really obtain anything. Almost everyone requires a PG, so getting a PayDex and Intelliscore is really pointless. If one can obtain business credit, even net 30's, DnB and Experian builds the file. That simple. These companies that say they can get BLOC are full of it.