Credit Help Zone

sayyeahh asked: I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?Walker

dwaindaddy asked: I am thinking about allowing a credit counseling service (Take Charge America) to consolidate all my unsecured credit. Will this help or hurt my credit rating once I complete the program in about 3.5 years?Kellan