If you want to secure a credit card, yet your credit isn’t that great, there are a few credit cards out there that might fit the bill. Remember, having a credit card is a wonderful way to build your credit score. You can find plenty of great credit card options that are essential for people with bad credit as well! Come dive in as we explore our favorite three!   Capital One Platinum Secured Credit Card Capital One is a major credit card issuer and offers a secured personal credit card to consumers that don’t have a great credit history.…

Even if you pay a collection account at one point or another, you may find it incredibly difficult or next to impossible to completely remove it from your report. However, those looking to remove a zero balance collection account from their credit report may have come across a method known as the “pay to delete” strategy. With the pay-to-delete strategy, you can go into negotiations with the debt collector so that they stop reporting the collection account to the credit bureaus. The exchange, in your case, is payment. You may either have to settle the debt for a lesser amount…