#5 in my opinion is a horrible idea..... your putting your credit in someone elses hands...


#1 the secured bank card with a prepaid balance will not show up on any credit score or history, but it is a good way to manage your money...


Other than that great ideas.... esppecially if you have collections best thing to do is fight them... there is a huge misunderstanding that 7 year old accounts will just vanish... they don't those debts are sold and time restarts....