My Credit Score please help!?

i have a 535 credit score is there anything i can get with this

and can i apply for credit cards


Have you seen the commercials for credit cards you buy and load yourself? It's probably better to get an established one. Try Discover they give you a certain amount back if you ask for it. Just don't do what my girlfriend does and let the balance go up or you'll just be paying finance charges. You can get almost any credit card, maybe not American Express although maybe... As soon as you can bring your credit score up. Good luck sweetie.


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Why is your score so low? It's easier to deal with no credit than bad credit.

You probably will have to get a secured credit card -- you pay a deposit which is held as collateral against the line of credit. Use the card and pay in full every month. In about a year, you should be able to covert the secured card to a regular account.

You will need at least 24 months of consistent, on time payment history to improve your score. Good credit is build over time.


535 is a low score, not the worst, but still low. What you can get with that score? Umm, not sure your meaning on this, but if your looking to apply for credit to build your credit then I would suggest something like a Capital One credit card, go on their site and apply. They may give you a $300 limit with a 19.8% variable rate and charge you $39 for a membership fee, but if you use it for gas, etc keeping the balance low and paying it off every month then this will help build your credit.

Keep in mind don't apply for too much credit at one time as this lowers your score as well.

As far as in buying a house or car with this score, ummm good luck.

Hope this helps.


don't quite understand - what you can get for 535 credit score?

credit cards - just apply for them & see if you get approval - who knows