I’d try going with a secured card, as they are made for exactly this type of thing. Washington Mutual has a good one worth looking into.

Hello,

I see you’re going through somethings and I as a financial concierge of large companies and small, I provide innovative financial solutions.

I don’t want to get to personal but I’m sure you know others in a spot as well. Maybe even your spouse. This service I’m offering you maybe well for you guys if children are involved.

My name is Lawrence Davis and I would like to offer you my flagship of financial services. I offer Financial Destinations Inc. known as FDI.

I work in the field of Real Estate and as a Adviser for a Mortgage Banker. This is the platform service of all my services to these professionals.

In regards to your question, all credit cards are good to payoff debts and I’ll show you how.

As your Financial Concierge, I’ll show you how to pay your debt off in up to a third of the time it would normally take you and eliminate minimum 40% without you changing your daily habits.

I wanted to get some feedback from people on the type of service I provide. We all know that our economy is in the slumps or so it seems but it makes it hard for homeowners and the respective financial institutes or advisers.

With so many homes and jobs being lost, while financial institutions scurrying around trying to find a answer, restricting guidelines making it harder for most……. one thing never changes.

That’s time.

Where is it going while you’re working(for others), attending the children, paying bills(maybe), listening to people pretending to give you the answer not catching what you’re really there for, arguing about the next mortgage, rent, car payment? Risking your credit, your future & wealth!

The thing is…….that NO matter what, credit affects everything you want in life. Finances, Relationships, Job Opportunities, Family, HOPE, RESPECT,MOTIVATION and PURPOSE.

I want to know, do you see freedom?

I have been in FDI for 3 months and have been trying to get them to stop taking out the $129 fee. They told me that I have to fax them a cancellation which I did and they still charged my bank account making me overdrawn so it cost me an extra $35. I think it is too expensive of a service because I got in for the credit repair and they have not contacted as of yet. Also, since they close a 2 PM my time, it makes it difficult to get in touch with them.

I have a much better solution. I now work for a company the offers the services of a Credit Attorney, Lisa Rosenthal. She does an incredible job of removing negative items off a credit report. We are looking for affiliates that need extra money. There are no fees to become an affiliate, just a signed agreement form and a short 20 minute training that can be done over the phone.

If you are or have freinds or clients that are credit challenged, you can help them turn a low FICO score client into one that can possibly get a loan. Lisa Rosenthal is NOT a Credit Repair Company that just does dispute letters, she is a bonded Credit Service Organization. There is a difference! Lisa actually will select only the negative information on the credit report and serve Legal Demands to all 3 Credit Reporting Agencies. When the 3 Agencies receive the Legal Demands, are they are required to PROVE that they have done their due diligence and followed ALL the laws and regulations, both State and Federal, BEFORE they reported any negative information. This can be impossible for them to provide due to the time line and their overwhelming expense. So they concede to the Legal Demands and remove the negative information, update the credit report and improve your clients over all credit worthiness. Sounds great right?

It gets better. Her one time retainer fee covers a client for 3 years! If the client somehow manages to mess it up again or has any other reason something derogatory shows up (i.e.: Identity Theft), she will go back in a clean it again for NO extra fee. Pretty cool huh? She also offers a 100% money back guarantee after 12 months.

So what does it cost?

For one person it is $799 and for a couple it is $1299. As I mentioned before, the retainer fee covers your client for 3 yrs (36 mos.) We do have a payment option of half up front and the rest in 2 payments over the following month, however, no one gets paid until all monies are collected.

The Affiliate Program that we offer is to any one that wants to make extra money. In addition you can help a client at the same time. A $100 referral fee is paid to the referring Affiliate for any client that pays in full for her services. In addition, if you want to make more money than he $100, you can charge a higher retainer fee to the client and we will give you the difference.

We have a couple of offices charging a $1500 retainer and they get $800 per client.

If you are interested, please send me an email at Let’s get America back on track.

there are a few go to under poor or no credit section, good luck

In my experience there are two types of Bad Credit Credit Cards. One is a secured card, and the other has a much higher rate of interest. Both can be used to rebuild your credit worthiness after getting back on your feet. Secured credit cards are great for rebuilding your credit. You send the credit card company a pre deposit amount set by the company

I would to have to say honestly that I wouldn’t do that if I were you. I would not go in that direction. I wouldn’t want to be in your shoes when the bill comes in for that credit card(s) start coming in cause in the long run you will have you self A NICE BIG FAT HOLE DUG AND it will take a long time to dig your way out, and then it will take you a much longer time to really get any kind of credit and NOT JUST WITH A BANK . My husband & I did it once with a gas card thought we were smart . In the long haul of it all it took forever to pay it off cause IT’S LIKE HAVING ONE OF THOSE REVOLVING accounts & when the bill arrives, IT COME IN WITH LARGE FEES AND percentages attached TO THEM too .. It may take awhile to rebuild your credit with you being single but you would be better off waiting awhile than to put yourself into that kind of debit especially with a divorce and all. BE PATIENT AND WAIT THAT’S MY ADVICE. I DON’T BELIEVE YOU would be very happy if you put yourself in that kind of debt ..

I’ve bookmarked this site…

Good Luck.