Most asset-backed securities are secured by income generated from mortgages, credit card loans and auto loans.

大多数资产担保证券，都是通过抵押贷款、信用卡贷款和汽车贷款产生的收入获利的。

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The Fed's credit report covers credit card debt, auto loans and other debt not secured by real estate.

美联储的信用报告覆盖信用卡借款，汽车贷款和其他不涉及担保的不动产贷款。

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So, check your credit report for free, get a secured credit card, and then let time do the rest.

FORBES: How To Fix Bad Credit On The Cheap

Ultimately, waiting to open a secured credit card is the best plan for any consumer looking to improve credit standing.

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If you fall into the bad credit category, the most inexpensive way for you to maximize the positive information on your credit report, and therefore rebuild your credit, is to get a secured credit card.

FORBES: How To Fix Bad Credit On The Cheap