Free ways to improve/build your credit score

[loans_n_fishes]

I think on the secured credit card thing that it totally depends on your bank. Some of them report to credit bureaus and some don't on that type of card. A lot of major banks use their secured credit card program to help customers with bad or no credit to help them earn positive credit. I had one with Bank of America right after high school, and part of signing up for it was that they'd report monthly to help me build some credit. And it worked really well.

Bank of America is where I typically send my clients for this type of card. Thanks for letting us know MissT.