Question by Ten4Six: How to begin fixing Bad Credit
I had a Wells Fargo overdraft fees that a collection agency called me for but I had no idea this could ruin my credit because I never owned a credit card. So I paid the debt a day after the collection agency called me but now I am worried I have terrible credit because I no longer get these free pre-approved credit card offers.So is there a quick way I can re-build my bad credit ?

Fast Credit Repair
Best answer:

Answer by Mom of Three
Apply for a department store credit card. They are about the easiest to get. Use it occasionally, and pay it on time!

Good luck!

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