Ideal Credit


Credit cards can help rebuild your credit history by establishing positive trade-lines on your credit report. Unlike prepaid or debit cards, monthly payment activity will be reported to the major credit bureaus on all transactions made with unsecured & secured credit cards. Using your card for occasional purchases, maintaining a low balance and making on-time payments, along with responsible financial behavior, can improve your credit scores.

An unsecured credit card simply means there is no collateral associated with the account it-self. The credit limit is based on the lender's assessment of your credit worthiness using traditional factors such as credit scores, credit reports, payment history, current and previous trade-lines and other indicators of your ability to be financially responsible. Unsecured credit cards usually have lower fees, better interest rates, higher limits and reward programs not available with secured credit cards.

If you've had trouble getting approved for an unsecured credit card in the past, a secured credit card may be right for you. Secured credit cards are specifically designed for newcomers with no previous or current positive credit history as well as consumers with low scores caused by negative items present on the credit report. These type of cards must be funded with a security deposit  at the time of the application. For example - if your initial deposit is $200, your credit limit is $200. ​

Please review the online applications below for details regarding the terms and conditions of each company as well as their offers, initial deposit, fees and required documentation for the process. Do not hesitate to contact us with any questions or if you need additional assistance. 

Affiliate Disclosure

Ideal Credit and its affiliates are paid commissions on a per sale or per lead basis for all credit card offers displayed on this website. This content is not provided or commissioned by the company whose products are featured on this site. Any options, analysis, reviews or evaluations here are those of the author's alone and have not been reviewed, approved or otherwise endorsed by third parties.


Credit Repair

Credit Repair

Credit Repair

Our credit specialists are ready to help you achieve your goals. We will create a personalized plan based on your specific situation as we remove any inaccurate, incomplete, unverifiable or obsolete negative information from your credit report while helping you to efficiently manage positive accounts and improve your scores as quickly as possible. 


Credit Repair

Credit Repair

  Clients looking to quickly boost their scores can use "piggybacking" to rapidly gain positive credit history. This process can help expedite the time it would normally take to increase your scores and get you approved for a big purchase such as a mortgage or an auto loan since it will add years worth of history to the report in a matter of months.

Contact Us

Send Message

Ideal Credit

215 S. Wadsworth Blvd #520 Lakewood, Colorado 80226, United States

Office - (866) 567-2286 Text - (720) 532-6283 Email - Fax - (720) 307-5031 Mailing Address - Ideal Credit PO BOX 151284 Lakewood, CO 80215 English - Español -

Open today

09:00 am – 06:00 pm