I need to rebuild credit history but I don’t want a ton of credit inquiries dragging my score down…
I do not currently have any debt I just need to build recent credit history.

4 Responses to “With a credit score of 638 and no recent credit history what is a good credit card to get?”

1. Ryan M on January 17th, 2010 12:06 pm

   Ask your bank about a secured card. That is the best way to rebuild credit.

2. baycitybettas on January 19th, 2010 7:18 pm

   You don’t need a credit card to build a credit history. Pay your existing bills on time and carry a low debt/income ratio.

3. Jim Crowbar on January 20th, 2010 11:31 pm

   Doesn’t matter what type of card, secured or unsecured, lowest interest rate you can get. Although with a fico score of 638 you must have some active credit facilities going right now (e.g. loan, line of credit, visa/master card) otherwise you fico would be 0. If you want to improve your score, just keep you balances at 50% of limits or lower and pay debts on time. Good luck.

4. Cris on January 21st, 2010 2:33 pm

   Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – credit-report-score.10001mb.com

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