I’m a little afraid of opening credit cards. Can credit repair work if I don’t open new credit cards?
I understand your reluctance to open new credit cards. Many people starting credit repair programs have experienced problems with credit cards in the past and are hesitant to tempt fate again, or their own self-discipline. However, it is still a fact that you need to have open accounts if you want credit repair success. Your credit score calculations are based on both the positive and negative items on your reports. Removing the negative is essential, but without positive accounts your scores will not improve.
Only Useful Credit Counts
So in brief, you may be very happy to see items deleted from your reports as a result of your membership in our credit repair service, but you will be disappointed in your credit scores. And if you don’t improve your credit scores, your credit, although attractive, will not be acceptable to lenders.
Credit Repair Tools
We have suggested that you open two new secured credit cards as part of your credit repair program. It might help you to think of these two new cards only as credit repair tools. In the past you have used credit cards to purchase things that you could not afford to pay cash for. These new cards will have relatively low limits, and we are going to ask you to use them in a very limited but regular manner designed to boost your scores. These cards, like the other ingredients in your credit repair program play a role, and together they will deliver the fantastic results you want.