Does a secured credit card help your credit?

Yes. Make sure you know your current credit score. You may qualify for a unsecured credit card Below is a way of interpreting your credit score Given the current credit score stats, how does this relate to your own personal score?

Generally, if your score is higher than 660, you will be considered a good credit risk. If your score is below 620, then you might have a tougher time getting a loan. The following ratings explain the impact of the different score ranges: 720-850 Excellent This represents the best score range and best financing terms 700-719 Very Good Qualifies a person for favorable financing 675-699 Average A score in this range will usually qualify for most loans 620-674 Sub-prime May still qualify, but will pay higher interest 560-619 Risky Will have trouble obtaining a loan 500-559 Very Risky Need to work on improving your rating.

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