Secured basically means you pay them the amount beforehand. Hence even if u screw up, they'll keep your money :) Not really a credit card, but they want to see how you utilize your credit!

@ramprasadneupane dai

Hmm I am sorry if my statement was misleading. By saying I removed "potentially negative" items, I meant the ones that were inconsistent. I know that having KD on your account sucks. One possible way to get that off (i hear, and im currently trying) is to file a inconsistency report with the agencies. This works only if you have PAID off in full. I would suggest calling up the other party and requesting yourself to be removed as well (although these fkrs dont gib a sh!t about you cuz they got their money so its kinda of a 'rot in hell' kinda deal). However you know its 7 years, why not give it a shot right?