Credit Repair Cards

If you search the internet long enough you’re going to find a number of scams designed to steal your money. CPN numbers, seasoned tradelines, and foreign authorized user accounts are a few of the more common scams. Credit repair cards, however, are a legitimate strategy for improving your credit score.

Your credit score is determined by 5 main factors.

  1. Your payment history makes up 35% of your score. Its determined by your history of making timely payments.
  2. Your available credit makes up 30% of your score. This factor is mainly made up of your debt ratio, which can be calculated by dividing your credit balances by the total credit available to you.
  3. The length of your credit history accounts for 15% of your score. The older your credit file the better your score.
  4. Your mix of credit makes up 10% of your score. A mix of revolving credit and fixed loans works best.
  5. An lastly, your new credit makes up 10% of your score. More inquiries tells a lender you need money more than they might want to lend it and therefore is a negative mark against your credit score.

Credit repair cards focus on improving your available credit, which is the second largest determining factor of your credit score. They are designed for borrowers with less than perfect payment histories.

Credit repair cards work by increasing the amount of credit available to you. By increasing your available credit, your debt ratio is lowered.

For instance, if you have one credit card with a $1500 limit and a $1500 balance, your card is in effect maxed out and you are at 100% debt ratio. to a lender you are a risk since you are using all the credit you have available.

Now if you were to add a credit repair card with a $5,000 limit and financing their application fee of say $300, now your debt ratio is only 28%. Here’s the math:

$1500 balance + $300 application fee = $1800

$5000 limit + $1500 limit = $6500

$1800 balance / $6500 limit = 27.6% debt ratio

Although lowering your debt ratio is an immediate benefit, there is a second less known benefit to adding a credit repair card.

Let me ask you a question. If you had money to lend, would you rather lend to someone with just one maxed out $1500 card or would you prefer someone with 2 cards, the second card having a limit of $5000?

The smart answer is the second. the reason is that the borrower appears trustworthy since someone else already gave them access to $5,000. No one wants to be the first to take that risk. The credit repair card actually increases the likelihood and amount for which you would be approved.

There are a number of credit repair card providers on the net. Just be careful who you apply with. Some cards will claim to be credit repair cards, but have limited benefits and very high fees. You want a card that reports to the credit bureaus, is unsecured, and offers a credit limit of $5,000 or more. Avoid any cards with high interest rates, excessive application fees, or require a co-signer.

To learn how you can get approved for a unsecured credit repair card with on annual fees, a low interest rate, and a $5,000 credit limit, please visit