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Home » Credit Card Utilization » Here’s where you start when rebuilding your credit.

Here’s where you start when rebuilding your credit.





I speak with many new clients each week that have been denied new credit accounts.  They’re frustrated that they have no where to obtain new credit with a low credit score to help rebuild good credit.

There are banks that will issue you new credit, you just need to know where to look.

There is one bank that will issue you a secured credit card without even checking your credit.  This bank is Open Sky Secured Visa .  There are banks that will deny you a new account even on a secured card, so Open Sky is a great starting point.

You will need to give a deposit of a minimum of $200 which will be returned after a few months of on time payments.  They can also increase your limit down the road as well with responsible use of the credit card.

A credit card is best used to pay off monthly.  When you carry a balance on your card it can lower your credit scores.  If you are going to carry a balance, it’s best if below 30% of the credit limit.

For more information on how to raise your credit scores, feel free to contact me direct for a consultation.


Jason Hall

President and Certified Credit Expert

Direct- 949.505.9971

Mobile- 808.633.5023

Fax- 866.567.8054



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