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 Where Are Your Credit Cards? Credit cards can do more to speed up your credit repair effort than anything else. In fact, they are the perfect credit repair tool. If you are launching an attempt to improve your credit scores without credit cards you are doing yourself a great disservice. So, if you do not have credit cards now is the time to get them. It is never too late, and given the availability of secured cards, you cannot make the excuse that you will not get approved. Secured Cards Secured cards are easy to get and you will not get denied. A secured credit card is a regular mainstream credit card that will report to the credit bureaus and contribute to your credit score. It just happens to be collateralized by a small savings deposit that you will make with the card issuer. If you are starting from scratch and have no credit cards at all you should get two secured cards to get your credit repair project into high gear. Other Forms of Credit Not all forms of credit will contr...

 When your debt on your credit cards has gotten to the point that you can no longer keep up with it, you need to consider whether or not you should look into credit card assistance. There are many credit card repair companies who specialize in this. If you are looking for how to pay off credit card debt, there are some advantages to using credit repair companies. However, this report shows you the red flags you need to be aware of so you can steer clear! Red Flag #1 "We'll have your credit fixed in the next week." If you know even the basics about credit repair this is not possible. The credit arena involves you, your credit card companies, the credit bureaus and whatever credit repair company you are dealing with. All changes and corrections that need to be made in your personal situation will have to be coordinated through all of these groups. This is not a quick process. It is important that every "I" be dotted and "t" crossed so that your credit is...