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Lots of great options to get credit back on track! If your credit score has dropped significantly (like mine) this site has lots of options that will help you get back on track. Debt consolidation and repair, credit cards and loans for bad or no credit, and no credit home refinance loans are a few options available on this site to help people get back on track with their credit. I am trying out the secured credit card to help restore my credit. It's like a prepaid debit card, and I like that my deposit is fully refundable. I'm going to start using this card for small purchases every month, and since they also report to all 3 major credit bureaus, I'm really looking forward to seeing my credit score climb up. :-)