Having a bad credit doesn't necessarily mean that you can't qualify for credit cards. Credit card companies think about people with bad credit and have special offers for them. They offer even guaranteed approval bad credit cards for those who want to improve their score. As soon as you get your card, it will all depend only on you. Pay your bills on time and don;t exceed your spending limit to improve your score rating. If you have any questions feel free to ask them. We are happy to provide our online assistance.

In order to get an annual free copy of your credit report, you first need to find what credit bureaus your bank card reports to. There are three major credit bureaus, or credit reporting agencies, operating in the USA, they are Experian, Equifax and TransUnion. If your credit card reports to all of them, which you are to know from your credit card agreement details, send your request to them either online or in writing. You will be given a special form to fill in with your personal and credit data to prove that it is you but not a fraudster is applying for the credit report copy. Remember that if it is your first request in the year, the copy will be free of charge. However, if you are going to do it second or third time, you will be charged a certain amount for it. Find the mailing address on the official site of any of the three credit bureaus and ask them in writing. Stay in the know of the changes in your credit report as it will help you preserve good credit score and reputable payment history.