My overall debt is approximately $7,500, with $444 of it past due and in collections. The remaining balance (all previously defaulted student loans) has been consolidated and I’m current on my payments for 11 months now. With a credit score averaging 576 what type of cards should I be searching for?

You should look for secured credit cards. These cards are created for those who have a negative credit history, but they want to improve their credit score. Secured credit cards require a collateral deposit. Otherwise, the secured credit cards work just like unsecured credit cards, and may even offer bonus programs. Look at . The card issuer will report your credit performance to the major credit bureaus and can offer credit limit increases without additional deposits. Your initial credit line may grow up to $3,000, but only if you use your card responsibly.