http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp

http://simple-credit-cards-and-loans.com?=yh070314

Good luck !
References :
http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp

http://simple-credit-cards-and-loans.com?=yh070314

Here’s a link http://creditoffernow.com/imaginecard

Enjoy!
References :

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!
References :

Here is a link to a lot of great cards for bad credit:

http://www.credit-land.com/index.php

Some others that may not be on there are: Orchard Bank Card, Tribute Bank Card and Aspen Bank Card. The sites should be fairly easy to find through a search engine.

Hope this helps!!!
References :

Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.

* It involves earning cash back on the card, it depends on the amount you spend.
* Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
* The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.
"
References :
http://www.freewebs.com/helpee/rewardcreditcards.html

The Interest Rates
Most of the secured credit cards require you to deposit money, so you’d expect their interest rates to be reasonable. Sadly, this is not true. Many companies providing …………….

http://www.freewebs.com/getanswer/CapitalOneSecuredCreditCards.html
References :

I found this information at http://www.creditapply.org/blog/ under the posting "How can I get a credit card with bad credit".

They list a few credit card for people with bad credit but also warn you that poor credit rating will cost you money

"When looking for a credit card with bad credit you should expect to be offered a pretty high interest rate. You may also be offered cards with an annual fee – don’t turn them down straight away as the fee might bring your typical Annual Percentage Rate (APR) down. "

Some of the cards they list are
Imagine Gold Card
First PREMIER Bank MasterCard
Centennial Gold MasterCard(r)/Visa APR
and others.
They also have tips on how to use the card to better your credit.
References :
http://www.creditapply.org/blog/

Credit really only effects the interest rate from overages & how large a line of credit you will receive.
References :
Finance - Junior Yr.