What helps to improve my credit score more loan or credit card ?

I have poor credit, I paid over 2,000 dollars to pay off my debts that were in collections. My credit score however has stayed the same. Would it be better to get a co signer for a loan, or a secured credit card (been denied for a unsecured card)

Hi Andri,
This is a great question….. When rebuilding credit we always recommend getting a few Secured Credit Cards. This way you are establishing credit on your own, instead of piggybacking someone else s credit primarily. There is nothing wrong with having a co-signer along with some secured credit cards though. Go here to select a couple of good secured credit cards to get started.


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