If you have bad (a 500 credit score to 580 credit score) to poor (a 581 credit score to 639 credit score) credit but want to increase your FICO Score by 150 points then read on to find out how to boost your credit score in the next 6 months.

The U.S. Bank Secured Visa Card, which is from a large bank, usually have the best credit card terms. Your security deposit can range from $300 to $5,000 and you earn interest on it, which is excellent. The fine print notes that your application could be denied if you’ve had a bankruptcy, are less than 18 years old, or if your security deposit is less than $300 to start.

When it comes to secured credit cards, the Citi Secured MasterCard is one of the good guys. You’ll see why this is a good card for consumers with bad credit when we get to the rates and fees.

Sometimes, people make bad decisions and they end up losing their house, car and credit cards that ruin their credit history.