Very secure. They go through a rigorous identification process that only the person can really answer. It's through a secured channel as well which makes it that much secure.
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The first step to move secure debt to unsecure is to get a credit report to see how much unsecure credit you can obtain. Apply for different loans and use the unsecure credit to pay off the secure debt.
you give them money before hand and then they let you have a card with their logo on it (visa, mastercard, etc) as a credit card and they report to the credit bureau for you to establish credit
You can get a free credit report every year through annualcreditreport.com. This is a secure site where every American can get one free credit report every year for each one of the three major credit bureaus. Keeping an eye on your credit report can help reduce the damage done by identity theft by catching it early. If you check your report and see unauthorized accounts or credit inquiries popping up, you can put an immediate stop to it.
You can receive a legitimate free online credit report from each of the 3 main credit report bureaus, as well as numerous other reporting sites. Just make sure that you are on a secure web page before you enter any personal information.
Keep in mind that a bankruptcy will affect your credit score. What you must do now is add good credit e.g. secure credit cards and maybe a secure loan will increase your credit score within 2 years. Your credit scrore primarily judge consumers on what they have done within the last two years. If you add good credit, your score will increase.