But yes, as said, your credit report and score is definitely checked.

I have a credit card debt, which is in collection and will be paid off in around 6 months or so. Now, if I want to work on my credit score and get a secured credit card for that, will I be denied? I mean, will I need to wait till the old debt gets paid off?

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No, secured credit cards are comparatively easy to obtain. You don't need to wait for the collection account to be paid off. But yes, as said, your credit report and score is definitely checked.

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Not necessarily. Depends on the state of your credit though.


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