Mr. A has dealt mostly with cash in his life, so in February of 2008 I had him apply for a secured credit card so he could begin building his credit.  We put $600 into the bank, and they held onto it while we used the card to buy gasoline and paid it in full each month.  Before I had him apply for the card, I tried to pull his credit report, but I couldn't get any information online (they… Read the rest