OVERCOME POOR CREDIT WITH A SECURED CREDIT CARD
          
               You can create good credit to offset the poor
          credit you might have amassed. Just establish new
          credit sources as quickly as you can and keep all
          payments up to date. In other words, bury the bad
          payments among the good ones. 
               The easiest way to establish or re-establish your
          credit is through a secured MasterCard or VISA.
          "Secured" means that you have made a deposit equal to
          the amount of credit you want, from $300 to $3,000. 
               With some banks or agencies, your deposit is put
          into an interest-earning CD. There is usually a fee of
          about $30 for getting you the credit approval and
          handling the transaction.  After you have made regular,
          timely payments for six months or so, the security
          requirement is dropped, and your deposit is returned to
          you. 
               After you have made payments, have your account
          reverified and your credit file updated by the credit
          bureau. 
               There are now a large number of banks offering
          such plans, and even Western Union has just entered the
          field.  A complete directory of secured credit card
          plans is published by Eden Press, P. O. Box 8410,
          Fountain Valley CA 92728.  Ask them for a free catalog
          to get the price of the current edition, as the book is
          updated frequently.