STEP 5: OBTAIN A SECURED CREDIT CARD

If you're building your credit score from scratch, you'll likely need to start with a secured credit card. Secured credit cards require a cash deposit and are commonly used to build credit. 

If you have had trouble getting approved for an unsecured card in the past, then a secured card may be right for you.  By making on-time minimum payments to all creditors and maintaining account balances below credit limits, a secured credit card combined with responsible financial behavior can help you establish or rebuild your credit history.


Wells Fargo Secured Credit Card





The Discover it® Secured Credit Card