Are you looking to improve your credit? This is also a great tool for that. One of the ways you can get started repairing your credit is to start getting stuff removed from your report. When you find negative items on your credit you can dispute them. If you dispute something and the creditor doesn’t reply within 30 days, that item usually falls off of your credit!
This was invaluable when I was working to improve my credit. First what I did was get negative items removed, then I went and looked for a secured card. Once I had that to start building credit, I was able to get unsecured cards. Building a better credit score not only is good for obtaining credit, the better your score, the lower the interest rates you will typically pay which means that improving credit can SAVE you money!