Like many of you, I didn't have any serious defaults, but realized that I needed to take steps to repair my credit history before refinancing my mortgage.

The lower my credit core, the higher the cost of borrowing money would be. I wanted the best deal. With this in mind, I applied for two credit cards for fair credit because I knew that I would be accepted and could use them to repair my credit report more quickly.

Remove Errors Before Applying for Credit Cards for People with Fair Credit

Before I applied for a fair credit card, I wanted to find out why my score wasn't higher. Was it because of my repayment record or was there another reason? Under the Fair and Accurate Credit Transactions Act, every American is entitled to a free credit report every 12-months so I made a request. You should scrutinize the information held by each credit reference agency as the information held is totally unique.