The downside of these cards as mentioned above is that you can buy merchandise only through the one website or catalog and you must put down a deposit on whatever you purchase. For example, if you were to buy $1000 worth of merchandise you would have to deposit maybe $300 and then finance the remaining $700 on the merchandise card. This will be reported to one or more of the three credit bureaus and will appear as just another credit transaction on your credit report. This will have three important results:
The secured credit card is a way to build and establish credit to obtain higher credit scores. If you found that you cannot get approved for a traditional credit card, you’re still likely to get approved for a secured credit card because there is less risk for the lender. The card issuer will report to the credit bureaus about your ability to pay the credit card on time and how you manage and use the balance.
Secured cards are a great way to build or improve credit. When you open a secured card, you submit a security deposit that typically becomes your credit limit. This deposit acts as collateral if you default on your account, but you can get it back if you close your account after paying off your balance. As long as you use a secured card responsibly — for example, make on-time payments and use little of your available credit — you may see improvements in your credit score. Unfortunately, in addition to the upfront deposit, this credit-building tool can have extra costs, like an annual fee.

If an investigation doesn’t resolve your dispute with the credit reporting company, you can request that a statement of the dispute be included in your file and in future reports. You can also ask the credit reporting company to provide a statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service, and a dispute on your credit report does not improve your credit score.
“If you are trying to give people advice for improving their score, pointing them toward those two components – things that are relatively easy to change – is a very good start,” said Tatiana Homonoff, an assistant professor of Economics and Public Policy at New York University, who did a two-year study on credit scores and published a paper on it in April of 2018.
Despite the rosy national picture, we see regional and age-based disparities. A minority of Southerners still rank below prime credit. In contrast, credit scores in the upper Midwest rank well above the national average. Younger consumers struggle with their credit, but boomers and the Silent Generation secured scores well above the national average.
There shouldn’t be any reason NOT to increase your limits if you have been in good standing for the past six months to a year. However, being denied a limit increase is a great way to find out about a possible problem before it snowballs into a headache. If you’re denied a limit increase, always find out why and correct the issue as soon as possible.
Credit repair is legal under federal law. So, you can legally repair your credit on your own no matter where you live in the United States. Federal law also protects your right to retain legal representation to make disputes on your behalf. This means as long as you retain the services of a state-licensed attorney that you authorize to make disputes on your behalf, then credit repair services are legal, too. Just make sure a credit repair company has at least one attorney on staff that’s licensed to work in your state.
You've probably seen advertisements for credit repair on television or heard them on the radio. Maybe even seen credit repair signs on the side of the road. You don't have to hire a professional to fix your credit. The truth is, there is nothing a credit repair company can do to improve your credit that you can’t do for yourself. Save some money and the hassle of finding a reputable company and repair your credit yourself. The next steps will show you how.

I do not agree with the secured card info you've provided.  They are great tools when used correctly.  You can find one with no/small annual fee.  The interest rate won't come into play if you pay your balance in full each month.  Even if you don't pay in full, the interest on a very low balance is a non-factor.  Alomst any credit union will allow you to open an account with as little as $5 and secured card with $300/500.  My card is $500 and I never charge more than $150(30%).  It takes will power to not max it out.  You don;t want to fall back into old habits (if that is what got you into this situation in the first place).
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Once you have your credit reports, read through them completely. If you have a long credit history, your credit reports might be several pages long. Try not to get overwhelmed by all the information you're reading. It's a lot to digest, especially if you're checking your credit report for the first time. Take your time and review your credit report over several days if you need to.
Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and can help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

Isolating your financial needs on different credit-card accounts will help you get the best possible terms on every transaction that you make. For example, you could get the best cash-back credit card for everyday expenses, the best travel rewards card for airfare and hotel reservations, and the best balance-transfer card for reducing the cost of your existing debt.

Just to give you an idea of the type of results to expect, Lexington Law claims that their clients have an average of 10 negative items removed from their credit report.  Most companies do offer a money-back guarantee if you're not satisfied with their service.  In addition, most services offer a free case evaluation so they can see if they can help your situation before you decide to sign up.
As part of the Consumer Credit Protection Act, certain activities are prohibited under the Credit Repair Organizations Act. Specifically, credit repair companies cannot require payment in advance for credit repair services. The act further requires all contracts be in writing and that consumers have certain cancellation rights. Since this is federal law, consumers in every state are protected. If you have been told that you can't cancel a contract with a credit repair company, speak to an attorney in your area about your rights under the Credit Repair Organizations Act.
Making your credit payments on time is one of the biggest contributing factors to your credit scores. Some banks offer payment reminders through their online banking portals that can send you an email or text message reminding you when a payment is due. You could also consider enrolling in automatic payments through your credit card and loan providers to have payments automatically debited from your bank account, but this only makes the minimum payment on your credit cards and does not help instill a sense of money management.
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